Home > Foresight Bank > Performance and Condition Ratios
Foresight Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 1,691 |
| Cost of funding earning assets | 2.1644% | 686 |
| Net interest margin | 3.0237% | 3,229 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.1474% | 3,263 |
| Loan and lease loss provision to assets | -0.0900% | 4,508 |
| Net operating income to assets | 1.1202% | 1,859 |
| Return on assets (ROA) | 1.1000% | 1,891 |
| Pretax return on assets | 1.1000% | 2,408 |
| Return on Equity (ROE) | 13.2200% | 1,673 |
| Retained earnings to average equity (ytd only) | 5.8285% | 2,310 |
| Net charge-offs to loans | -0.0277% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.5138% | 2,285 |
| Assets per employee ($millions) | 8.2334% | 1,315 |
| Cash dividends to net income (ytd only)* | 55.9276% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 4,118 |
| Loan loss allowance to noncurrent loans | 193.0211% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 1,753 |
| Noncurrent loans to loans | 0.3656% | 1,891 |
| Net loans and leases to total assets | 81.6400% | 466 |
| Net loans and leases to deposits | 98.6142% | 613 |
| Net loans and leases to core deposits | 107.9686% | 1,038 |
| Total domestic deposits to total assets | 82.7800% | 2,946 |
| Equity capital to assets | 8.3104% | 3,187 |
| Core capital (leverage) ratio | 9.6820% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0337% | 2,233 |
| Memoranda: | ||
| Average total assets | $336,638,000 | 2,241 |
| Average earning assets | $320,138,800 | 2,205 |
| Average equity | $28,000,200 | 2,362 |
| Average total loans | $270,782,400 | 1,907 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0746% | 1,677 |
| Cost of funding earning assets | 2.0673% | 631 |
| Net interest margin | 3.0073% | 3,326 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.1625% | 3,172 |
| Loan and lease loss provision to assets | -0.0900% | 4,530 |
| Net operating income to assets | 1.1063% | 2,034 |
| Return on assets (ROA) | 1.0675% | 2,145 |
| Pretax return on assets | 1.0675% | 2,665 |
| Return on Equity (ROE) | 12.8300% | 1,935 |
| Retained earnings to average equity (ytd only) | 5.0617% | 2,912 |
| Net charge-offs to loans | -0.0116% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.9295% | 2,156 |
| Assets per employee ($millions) | 6.3304% | 2,471 |
| Cash dividends to net income (ytd only)* | 60.5522% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 4,088 |
| Loan loss allowance to noncurrent loans | 180.2586% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 1,670 |
| Noncurrent loans to loans | 0.4099% | 1,805 |
| Net loans and leases to total assets | 82.1800% | 421 |
| Net loans and leases to deposits | 95.8765% | 762 |
| Net loans and leases to core deposits | 104.5125% | 1,093 |
| Total domestic deposits to total assets | 85.7100% | 2,278 |
| Equity capital to assets | 7.7098% | 3,236 |
| Core capital (leverage) ratio | 9.7451% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3905% | 2,754 |
| Memoranda: | ||
| Average total assets | $330,230,250 | 2,265 |
| Average earning assets | $314,156,500 | 2,229 |
| Average equity | $27,473,750 | 2,380 |
| Average total loans | $264,017,500 | 1,942 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 1,845 |
| Cost of funding earning assets | 1.8941% | 616 |
| Net interest margin | 2.9731% | 3,500 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.2595% | 2,920 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.9119% | 2,718 |
| Return on assets (ROA) | 0.8690% | 2,850 |
| Pretax return on assets | 0.8690% | 3,238 |
| Return on Equity (ROE) | 10.1800% | 2,655 |
| Retained earnings to average equity (ytd only) | 2.4276% | 3,618 |
| Net charge-offs to loans | -0.0318% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.6077% | 1,708 |
| Assets per employee ($millions) | 7.9854% | 1,325 |
| Cash dividends to net income (ytd only)* | 76.1636% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 3,771 |
| Loan loss allowance to noncurrent loans | 154.7063% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 1,142 |
| Noncurrent loans to loans | 0.5850% | 1,281 |
| Net loans and leases to total assets | 79.9500% | 630 |
| Net loans and leases to deposits | 103.0708% | 396 |
| Net loans and leases to core deposits | 112.6736% | 723 |
| Total domestic deposits to total assets | 77.5700% | 3,892 |
| Equity capital to assets | 8.3626% | 2,979 |
| Core capital (leverage) ratio | 9.9689% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8079% | 1,976 |
| Memoranda: | ||
| Average total assets | $326,360,667 | 2,293 |
| Average earning assets | $310,113,000 | 2,256 |
| Average equity | $27,846,667 | 2,365 |
| Average total loans | $257,687,000 | 1,967 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7467% | 1,745 |
| Cost of funding earning assets | 1.6681% | 618 |
| Net interest margin | 3.0785% | 3,398 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.3601% | 2,636 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.9023% | 2,844 |
| Return on assets (ROA) | 0.8041% | 3,135 |
| Pretax return on assets | 0.8041% | 3,454 |
| Return on Equity (ROE) | 9.3300% | 2,961 |
| Retained earnings to average equity (ytd only) | 1.2686% | 3,827 |
| Net charge-offs to loans | -0.0287% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.6532% | 1,566 |
| Assets per employee ($millions) | 7.4775% | 1,637 |
| Cash dividends to net income (ytd only)* | 86.3988% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 3,634 |
| Loan loss allowance to noncurrent loans | 144.9704% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 958 |
| Noncurrent loans to loans | 0.6693% | 1,126 |
| Net loans and leases to total assets | 79.6200% | 578 |
| Net loans and leases to deposits | 95.4952% | 682 |
| Net loans and leases to core deposits | 103.3343% | 948 |
| Total domestic deposits to total assets | 83.3700% | 3,229 |
| Equity capital to assets | 8.9781% | 2,542 |
| Core capital (leverage) ratio | 10.0521% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3750% | 1,839 |
| Memoranda: | ||
| Average total assets | $321,848,500 | 2,352 |
| Average earning assets | $305,729,500 | 2,318 |
| Average equity | $27,746,500 | 2,404 |
| Average total loans | $251,229,500 | 2,021 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2552% | 1,149 |
| Cost of funding earning assets | 0.8610% | 305 |
| Net interest margin | 3.3942% | 2,277 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.0898% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4520% | 1,001 |
| Return on assets (ROA) | 1.3853% | 1,123 |
| Pretax return on assets | 1.3853% | 1,806 |
| Return on Equity (ROE) | 16.1000% | 1,035 |
| Retained earnings to average equity (ytd only) | 8.6121% | 1,597 |
| Net charge-offs to loans | -0.0021% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.0301% | 3,185 |
| Assets per employee ($millions) | 7.4919% | 1,622 |
| Cash dividends to net income (ytd only)* | 46.5137% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,472 |
| Loan loss allowance to noncurrent loans | 106.6144% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 692 |
| Noncurrent loans to loans | 0.9193% | 806 |
| Net loans and leases to total assets | 75.0900% | 1,123 |
| Net loans and leases to deposits | 90.3348% | 1,035 |
| Net loans and leases to core deposits | 96.3195% | 1,187 |
| Total domestic deposits to total assets | 83.1200% | 3,393 |
| Equity capital to assets | 8.2808% | 2,873 |
| Core capital (leverage) ratio | 9.6364% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6962% | 1,733 |
| Memoranda: | ||
| Average total assets | $320,945,400 | 2,348 |
| Average earning assets | $305,458,800 | 2,310 |
| Average equity | $27,612,200 | 2,444 |
| Average total loans | $238,456,000 | 2,010 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 1,013 |
| Cost of funding earning assets | 0.7450% | 207 |
| Net interest margin | 3.3827% | 2,030 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.0821% | 3,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4334% | 1,000 |
| Return on assets (ROA) | 1.4254% | 990 |
| Pretax return on assets | 1.4254% | 1,647 |
| Return on Equity (ROE) | 16.4100% | 905 |
| Retained earnings to average equity (ytd only) | 8.8980% | 1,682 |
| Net charge-offs to loans | 0.0051% | 1,988 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 381.7778% | 400 |
| Efficiency ratio | 59.1633% | 3,226 |
| Assets per employee ($millions) | 7.2402% | 1,787 |
| Cash dividends to net income (ytd only)* | 45.7746% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 3,441 |
| Loan loss allowance to noncurrent loans | 106.3830% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 736 |
| Noncurrent loans to loans | 0.9464% | 823 |
| Net loans and leases to total assets | 73.9400% | 1,102 |
| Net loans and leases to deposits | 83.8053% | 1,316 |
| Net loans and leases to core deposits | 89.6865% | 1,317 |
| Total domestic deposits to total assets | 88.2300% | 2,350 |
| Equity capital to assets | 7.3927% | 3,273 |
| Core capital (leverage) ratio | 9.1873% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6006% | 2,216 |
| Memoranda: | ||
| Average total assets | $318,771,000 | 2,375 |
| Average earning assets | $303,889,500 | 2,333 |
| Average equity | $27,691,000 | 2,479 |
| Average total loans | $235,577,500 | 2,026 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 948 |
| Cost of funding earning assets | 0.6759% | 181 |
| Net interest margin | 3.3167% | 1,863 |
| Noninterest income to average assets | 0.2983% | 3,379 |
| Noninterest expense to average assets | 2.1212% | 3,092 |
| Loan and lease loss provision to assets | -0.0013% | 4,362 |
| Net operating income to assets | 1.3387% | 1,052 |
| Return on assets (ROA) | 1.3261% | 1,056 |
| Pretax return on assets | 1.3261% | 1,655 |
| Return on Equity (ROE) | 14.5227% | 992 |
| Retained earnings to average equity (ytd only) | 7.2406% | 1,901 |
| Net charge-offs to loans | -0.0017% | 3,105 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3304% | 3,137 |
| Assets per employee ($millions) | 7.5939% | 1,555 |
| Cash dividends to net income (ytd only)* | 50.1430% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,497 |
| Loan loss allowance to noncurrent loans | 105.3763% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7120% | 756 |
| Noncurrent loans to loans | 0.9714% | 858 |
| Net loans and leases to total assets | 72.5506% | 1,051 |
| Net loans and leases to deposits | 82.2099% | 1,233 |
| Net loans and leases to core deposits | 89.3520% | 1,158 |
| Total domestic deposits to total assets | 88.2504% | 2,479 |
| Equity capital to assets | 8.0061% | 3,121 |
| Core capital (leverage) ratio | 9.0146% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4463% | 2,309 |
| Memoranda: | ||
| Average total assets | $316,425,667 | 2,399 |
| Average earning assets | $301,505,667 | 2,373 |
| Average equity | $28,892,667 | 2,469 |
| Average total loans | $232,984,667 | 2,033 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 788 |
| Cost of funding earning assets | 0.6330% | 216 |
| Net interest margin | 3.3588% | 1,417 |
| Noninterest income to average assets | 0.2903% | 3,385 |
| Noninterest expense to average assets | 2.3252% | 2,403 |
| Loan and lease loss provision to assets | -0.0141% | 4,431 |
| Net operating income to assets | 1.1832% | 1,287 |
| Return on assets (ROA) | 1.1716% | 1,319 |
| Pretax return on assets | 1.1716% | 1,913 |
| Return on Equity (ROE) | 12.0525% | 1,298 |
| Retained earnings to average equity (ytd only) | 6.3699% | 2,120 |
| Net charge-offs to loans | -0.0191% | 3,889 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5441% | 2,699 |
| Assets per employee ($millions) | 6.9791% | 2,011 |
| Cash dividends to net income (ytd only)* | 47.1491% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,498 |
| Loan loss allowance to noncurrent loans | 106.4754% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 765 |
| Noncurrent loans to loans | 0.9937% | 911 |
| Net loans and leases to total assets | 72.9517% | 739 |
| Net loans and leases to deposits | 84.1501% | 872 |
| Net loans and leases to core deposits | 91.5986% | 835 |
| Total domestic deposits to total assets | 86.6924% | 3,041 |
| Equity capital to assets | 9.0709% | 2,651 |
| Core capital (leverage) ratio | 9.5800% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7984% | 2,305 |
| Memoranda: | ||
| Average total assets | $311,369,000 | 2,442 |
| Average earning assets | $297,009,500 | 2,408 |
| Average equity | $30,267,500 | 2,470 |
| Average total loans | $229,799,000 | 2,045 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 714 |
| Cost of funding earning assets | 0.7590% | 252 |
| Net interest margin | 3.6426% | 1,358 |
| Noninterest income to average assets | 0.2501% | 3,870 |
| Noninterest expense to average assets | 2.1939% | 3,109 |
| Loan and lease loss provision to assets | 0.0192% | 2,686 |
| Net operating income to assets | 1.5042% | 1,004 |
| Return on assets (ROA) | 1.5429% | 966 |
| Pretax return on assets | 1.5429% | 1,593 |
| Return on Equity (ROE) | 15.1283% | 927 |
| Retained earnings to average equity (ytd only) | 8.6346% | 1,305 |
| Net charge-offs to loans | 0.0264% | 1,710 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 79.3966% | 1,003 |
| Efficiency ratio | 59.0193% | 3,295 |
| Assets per employee ($millions) | 7.1786% | 1,803 |
| Cash dividends to net income (ytd only)* | 42.9245% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,459 |
| Loan loss allowance to noncurrent loans | 105.8773% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 820 |
| Noncurrent loans to loans | 1.0148% | 970 |
| Net loans and leases to total assets | 73.0813% | 742 |
| Net loans and leases to deposits | 85.7696% | 805 |
| Net loans and leases to core deposits | 92.6477% | 842 |
| Total domestic deposits to total assets | 85.2066% | 3,207 |
| Equity capital to assets | 10.3820% | 2,292 |
| Core capital (leverage) ratio | 9.4959% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8834% | 2,283 |
| Memoranda: | ||
| Average total assets | $302,291,600 | 2,429 |
| Average earning assets | $287,736,400 | 2,391 |
| Average equity | $30,829,600 | 2,485 |
| Average total loans | $219,371,000 | 2,102 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 642 |
| Cost of funding earning assets | 0.7877% | 257 |
| Net interest margin | 3.7398% | 1,249 |
| Noninterest income to average assets | 0.2505% | 3,891 |
| Noninterest expense to average assets | 2.0428% | 3,547 |
| Loan and lease loss provision to assets | -0.0010% | 4,284 |
| Net operating income to assets | 1.7683% | 716 |
| Return on assets (ROA) | 1.8153% | 672 |
| Pretax return on assets | 1.8153% | 1,127 |
| Return on Equity (ROE) | 17.8820% | 642 |
| Retained earnings to average equity (ytd only) | 11.3084% | 990 |
| Net charge-offs to loans | -0.0012% | 3,145 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6134% | 3,855 |
| Assets per employee ($millions) | 6.8666% | 1,961 |
| Cash dividends to net income (ytd only)* | 36.7611% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,453 |
| Loan loss allowance to noncurrent loans | 107.0336% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 992 |
| Noncurrent loans to loans | 1.0255% | 1,115 |
| Net loans and leases to total assets | 71.4423% | 932 |
| Net loans and leases to deposits | 83.8059% | 971 |
| Net loans and leases to core deposits | 91.5893% | 941 |
| Total domestic deposits to total assets | 85.2474% | 3,031 |
| Equity capital to assets | 10.3519% | 2,567 |
| Core capital (leverage) ratio | 9.6156% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0914% | 2,327 |
| Memoranda: | ||
| Average total assets | $300,695,000 | 2,455 |
| Average earning assets | $286,209,000 | 2,419 |
| Average equity | $30,525,250 | 2,528 |
| Average total loans | $217,204,750 | 2,152 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 989 |
| Cost of funding earning assets | 0.8121% | 277 |
| Net interest margin | 3.4984% | 1,861 |
| Noninterest income to average assets | 0.2457% | 3,928 |
| Noninterest expense to average assets | 2.0891% | 3,417 |
| Loan and lease loss provision to assets | -0.0013% | 4,374 |
| Net operating income to assets | 1.4836% | 1,342 |
| Return on assets (ROA) | 1.5494% | 1,232 |
| Pretax return on assets | 1.5494% | 1,878 |
| Return on Equity (ROE) | 15.3672% | 1,075 |
| Retained earnings to average equity (ytd only) | 8.6490% | 1,837 |
| Net charge-offs to loans | -0.0019% | 3,185 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4962% | 3,215 |
| Assets per employee ($millions) | 6.8619% | 1,900 |
| Cash dividends to net income (ytd only)* | 43.7175% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,426 |
| Loan loss allowance to noncurrent loans | 104.5668% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 1,055 |
| Noncurrent loans to loans | 1.0490% | 1,170 |
| Net loans and leases to total assets | 73.1674% | 841 |
| Net loans and leases to deposits | 86.6589% | 871 |
| Net loans and leases to core deposits | 95.2141% | 842 |
| Total domestic deposits to total assets | 84.4315% | 3,299 |
| Equity capital to assets | 10.2022% | 2,668 |
| Core capital (leverage) ratio | 9.3192% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8448% | 2,423 |
| Memoranda: | ||
| Average total assets | $297,928,000 | 2,463 |
| Average earning assets | $283,216,333 | 2,433 |
| Average equity | $30,038,000 | 2,550 |
| Average total loans | $215,205,000 | 2,178 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3293% | 1,000 |
| Cost of funding earning assets | 0.8388% | 296 |
| Net interest margin | 3.4905% | 1,847 |
| Noninterest income to average assets | 0.2176% | 4,088 |
| Noninterest expense to average assets | 2.1073% | 3,401 |
| Loan and lease loss provision to assets | 0.0014% | 2,730 |
| Net operating income to assets | 1.4274% | 1,504 |
| Return on assets (ROA) | 1.4557% | 1,498 |
| Pretax return on assets | 1.4557% | 2,120 |
| Return on Equity (ROE) | 14.5268% | 1,321 |
| Retained earnings to average equity (ytd only) | 7.6208% | 2,373 |
| Net charge-offs to loans | 0.0019% | 1,856 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 1,057.0000% | 90 |
| Efficiency ratio | 59.5948% | 3,076 |
| Assets per employee ($millions) | 7.0481% | 1,775 |
| Cash dividends to net income (ytd only)* | 47.5395% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 3,246 |
| Loan loss allowance to noncurrent loans | 99.1501% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8347% | 1,064 |
| Noncurrent loans to loans | 1.1504% | 1,164 |
| Net loans and leases to total assets | 71.7356% | 1,063 |
| Net loans and leases to deposits | 84.8739% | 1,060 |
| Net loans and leases to core deposits | 94.2141% | 967 |
| Total domestic deposits to total assets | 84.5203% | 3,272 |
| Equity capital to assets | 9.9929% | 2,715 |
| Core capital (leverage) ratio | 9.2452% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3144% | 2,154 |
| Memoranda: | ||
| Average total assets | $295,930,000 | 2,459 |
| Average earning assets | $281,338,000 | 2,431 |
| Average equity | $29,655,500 | 2,571 |
| Average total loans | $211,127,500 | 2,208 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 861 |
| Cost of funding earning assets | 1.1378% | 349 |
| Net interest margin | 3.5818% | 2,206 |
| Noninterest income to average assets | 0.2369% | 4,082 |
| Noninterest expense to average assets | 2.1868% | 3,701 |
| Loan and lease loss provision to assets | -0.0084% | 4,906 |
| Net operating income to assets | 1.4625% | 895 |
| Return on assets (ROA) | 1.4826% | 922 |
| Pretax return on assets | 1.4826% | 1,401 |
| Return on Equity (ROE) | 14.5269% | 710 |
| Retained earnings to average equity (ytd only) | 7.2009% | 1,321 |
| Net charge-offs to loans | -0.0910% | 4,794 |
| Credit loss provision to net charge-offs | 12.2340% | 3,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0622% | 3,450 |
| Assets per employee ($millions) | 7.2156% | 1,439 |
| Cash dividends to net income (ytd only)* | 50.4309% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 3,050 |
| Loan loss allowance to noncurrent loans | 186.3118% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 2,252 |
| Noncurrent loans to loans | 0.6339% | 2,105 |
| Net loans and leases to total assets | 69.2953% | 1,649 |
| Net loans and leases to deposits | 82.0364% | 1,659 |
| Net loans and leases to core deposits | 92.5100% | 1,342 |
| Total domestic deposits to total assets | 84.4690% | 2,953 |
| Equity capital to assets | 10.0493% | 3,088 |
| Core capital (leverage) ratio | 9.1564% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2145% | 2,161 |
| Memoranda: | ||
| Average total assets | $273,913,200 | 2,434 |
| Average earning assets | $260,318,600 | 2,399 |
| Average equity | $27,955,000 | 2,600 |
| Average total loans | $206,501,600 | 2,187 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7789% | 912 |
| Cost of funding earning assets | 1.2078% | 359 |
| Net interest margin | 3.5711% | 2,356 |
| Noninterest income to average assets | 0.2628% | 3,897 |
| Noninterest expense to average assets | 2.1259% | 3,882 |
| Loan and lease loss provision to assets | 0.0715% | 3,428 |
| Net operating income to assets | 1.4623% | 974 |
| Return on assets (ROA) | 1.4628% | 1,055 |
| Pretax return on assets | 1.4628% | 1,537 |
| Return on Equity (ROE) | 14.2726% | 825 |
| Retained earnings to average equity (ytd only) | 7.1387% | 1,633 |
| Net charge-offs to loans | -0.0136% | 4,305 |
| Credit loss provision to net charge-offs | -685.7143% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0890% | 3,653 |
| Assets per employee ($millions) | 7.2159% | 1,367 |
| Cash dividends to net income (ytd only)* | 49.9830% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,913 |
| Loan loss allowance to noncurrent loans | 130.6667% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 1,728 |
| Noncurrent loans to loans | 0.8850% | 1,691 |
| Net loans and leases to total assets | 74.4117% | 1,323 |
| Net loans and leases to deposits | 89.1710% | 1,353 |
| Net loans and leases to core deposits | 102.1502% | 1,020 |
| Total domestic deposits to total assets | 83.4483% | 3,008 |
| Equity capital to assets | 10.2021% | 3,065 |
| Core capital (leverage) ratio | 9.3808% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1346% | 2,139 |
| Memoranda: | ||
| Average total assets | $268,431,250 | 2,447 |
| Average earning assets | $255,338,250 | 2,412 |
| Average equity | $27,511,250 | 2,621 |
| Average total loans | $206,263,500 | 2,187 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8561% | 1,044 |
| Cost of funding earning assets | 1.2874% | 382 |
| Net interest margin | 3.5687% | 2,584 |
| Noninterest income to average assets | 0.2416% | 4,037 |
| Noninterest expense to average assets | 2.0939% | 4,047 |
| Loan and lease loss provision to assets | 0.0742% | 3,368 |
| Net operating income to assets | 1.4722% | 975 |
| Return on assets (ROA) | 1.5078% | 987 |
| Pretax return on assets | 1.5078% | 1,437 |
| Return on Equity (ROE) | 14.6876% | 757 |
| Retained earnings to average equity (ytd only) | 7.1335% | 1,606 |
| Net charge-offs to loans | -0.0166% | 4,355 |
| Credit loss provision to net charge-offs | -576.4706% | 3,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5203% | 3,755 |
| Assets per employee ($millions) | 7.1458% | 1,364 |
| Cash dividends to net income (ytd only)* | 51.4314% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 2,974 |
| Loan loss allowance to noncurrent loans | 77.1704% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 1,022 |
| Noncurrent loans to loans | 1.4439% | 1,059 |
| Net loans and leases to total assets | 76.4264% | 1,071 |
| Net loans and leases to deposits | 91.4049% | 1,224 |
| Net loans and leases to core deposits | 105.4563% | 913 |
| Total domestic deposits to total assets | 83.6130% | 2,877 |
| Equity capital to assets | 10.0867% | 3,120 |
| Core capital (leverage) ratio | 9.6456% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8700% | 2,235 |
| Memoranda: | ||
| Average total assets | $264,101,000 | 2,450 |
| Average earning assets | $251,518,667 | 2,408 |
| Average equity | $27,111,333 | 2,637 |
| Average total loans | $204,397,667 | 2,183 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8834% | 1,231 |
| Cost of funding earning assets | 1.4198% | 362 |
| Net interest margin | 3.4636% | 3,102 |
| Noninterest income to average assets | 0.2383% | 4,131 |
| Noninterest expense to average assets | 2.2258% | 3,945 |
| Loan and lease loss provision to assets | -0.0125% | 5,046 |
| Net operating income to assets | 1.3193% | 1,187 |
| Return on assets (ROA) | 1.3208% | 1,280 |
| Pretax return on assets | 1.3208% | 1,813 |
| Return on Equity (ROE) | 12.7461% | 926 |
| Retained earnings to average equity (ytd only) | 4.0884% | 2,648 |
| Net charge-offs to loans | -0.0161% | 4,246 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0071% | 3,371 |
| Assets per employee ($millions) | 6.2775% | 1,476 |
| Cash dividends to net income (ytd only)* | 67.9245% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 2,984 |
| Loan loss allowance to noncurrent loans | 56.9825% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.5970% | 646 |
| Noncurrent loans to loans | 2.0015% | 707 |
| Net loans and leases to total assets | 78.8789% | 843 |
| Net loans and leases to deposits | 93.9436% | 1,085 |
| Net loans and leases to core deposits | 111.4591% | 780 |
| Total domestic deposits to total assets | 83.9642% | 2,800 |
| Equity capital to assets | 10.7113% | 3,124 |
| Core capital (leverage) ratio | 9.8347% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8362% | 2,352 |
| Memoranda: | ||
| Average total assets | $256,809,000 | 2,452 |
| Average earning assets | $244,254,000 | 2,416 |
| Average equity | $26,612,000 | 2,662 |
| Average total loans | $198,902,000 | 2,196 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 1,376 |
| Cost of funding earning assets | 1.5921% | 311 |
| Net interest margin | 3.4451% | 3,606 |
| Noninterest income to average assets | 0.2518% | 4,171 |
| Noninterest expense to average assets | 2.2065% | 4,147 |
| Loan and lease loss provision to assets | 0.0324% | 3,364 |
| Net operating income to assets | 1.2951% | 1,709 |
| Return on assets (ROA) | 1.3742% | 1,507 |
| Pretax return on assets | 1.3742% | 2,250 |
| Return on Equity (ROE) | 14.0080% | 892 |
| Retained earnings to average equity (ytd only) | 5.3985% | 2,228 |
| Net charge-offs to loans | -0.0529% | 4,833 |
| Credit loss provision to net charge-offs | -79.6117% | 4,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4357% | 3,303 |
| Assets per employee ($millions) | 6.5630% | 1,248 |
| Cash dividends to net income (ytd only)* | 61.4610% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 2,657 |
| Loan loss allowance to noncurrent loans | 69.7497% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 911 |
| Noncurrent loans to loans | 1.6591% | 835 |
| Net loans and leases to total assets | 74.3450% | 1,697 |
| Net loans and leases to deposits | 87.6069% | 1,896 |
| Net loans and leases to core deposits | 105.1625% | 1,161 |
| Total domestic deposits to total assets | 84.8620% | 2,550 |
| Equity capital to assets | 10.0290% | 3,889 |
| Core capital (leverage) ratio | 9.4889% | 4,078 |
| Tier 1 risk-based capital ratio | 12.5356% | 4,051 |
| Total risk-based capital ratio | 13.7117% | 3,970 |
| Memoranda: | ||
| Average total assets | $253,024,400 | 2,438 |
| Average earning assets | $241,068,200 | 2,402 |
| Average equity | $24,821,600 | 2,728 |
| Average total loans | $194,829,200 | 2,200 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 1,385 |
| Cost of funding earning assets | 1.6005% | 295 |
| Net interest margin | 3.4615% | 3,691 |
| Noninterest income to average assets | 0.2532% | 4,224 |
| Noninterest expense to average assets | 2.2272% | 4,133 |
| Loan and lease loss provision to assets | 0.0989% | 1,939 |
| Net operating income to assets | 1.2288% | 2,097 |
| Return on assets (ROA) | 1.3352% | 1,774 |
| Pretax return on assets | 1.3352% | 2,549 |
| Return on Equity (ROE) | 13.6902% | 1,053 |
| Retained earnings to average equity (ytd only) | 4.8270% | 2,972 |
| Net charge-offs to loans | 0.0007% | 3,443 |
| Credit loss provision to net charge-offs | 18,600.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 2,502.1955% | 26 |
| Efficiency ratio | 62.6515% | 3,223 |
| Assets per employee ($millions) | 6.2516% | 1,422 |
| Cash dividends to net income (ytd only)* | 64.7410% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 2,820 |
| Loan loss allowance to noncurrent loans | 58.2166% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.4949% | 748 |
| Noncurrent loans to loans | 1.9614% | 692 |
| Net loans and leases to total assets | 75.3435% | 1,596 |
| Net loans and leases to deposits | 88.8575% | 1,829 |
| Net loans and leases to core deposits | 111.1774% | 888 |
| Total domestic deposits to total assets | 84.7914% | 2,505 |
| Equity capital to assets | 9.9292% | 4,091 |
| Core capital (leverage) ratio | 9.5317% | 4,136 |
| Tier 1 risk-based capital ratio | 12.0595% | 4,393 |
| Total risk-based capital ratio | 13.2124% | 4,321 |
| Memoranda: | ||
| Average total assets | $250,651,000 | 2,477 |
| Average earning assets | $239,078,500 | 2,431 |
| Average equity | $24,445,000 | 2,772 |
| Average total loans | $194,173,000 | 2,227 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0571% | 1,331 |
| Cost of funding earning assets | 1.5958% | 276 |
| Net interest margin | 3.4612% | 3,710 |
| Noninterest income to average assets | 0.2546% | 4,233 |
| Noninterest expense to average assets | 2.2807% | 4,053 |
| Loan and lease loss provision to assets | 0.1062% | 1,763 |
| Net operating income to assets | 1.1683% | 2,264 |
| Return on assets (ROA) | 1.3305% | 1,718 |
| Pretax return on assets | 1.3305% | 2,440 |
| Return on Equity (ROE) | 13.7305% | 1,048 |
| Retained earnings to average equity (ytd only) | 4.5183% | 3,011 |
| Net charge-offs to loans | 0.0062% | 2,931 |
| Credit loss provision to net charge-offs | 2,183.3333% | 170 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 309 |
| Efficiency ratio | 64.1505% | 3,107 |
| Assets per employee ($millions) | 6.2825% | 1,349 |
| Cash dividends to net income (ytd only)* | 67.0932% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 2,964 |
| Loan loss allowance to noncurrent loans | 101.5982% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 1,560 |
| Noncurrent loans to loans | 1.1022% | 1,487 |
| Net loans and leases to total assets | 80.1838% | 853 |
| Net loans and leases to deposits | 98.1250% | 829 |
| Net loans and leases to core deposits | 124.1840% | 422 |
| Total domestic deposits to total assets | 81.7160% | 3,602 |
| Equity capital to assets | 10.2328% | 3,766 |
| Core capital (leverage) ratio | 9.5686% | 4,083 |
| Tier 1 risk-based capital ratio | 12.2005% | 4,300 |
| Total risk-based capital ratio | 13.3529% | 4,248 |
| Memoranda: | ||
| Average total assets | $246,678,670 | 2,513 |
| Average earning assets | $235,235,330 | 2,465 |
| Average equity | $23,903,000 | 2,804 |
| Average total loans | $192,193,000 | 2,248 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 1,536 |
| Cost of funding earning assets | 1.5441% | 282 |
| Net interest margin | 3.3783% | 3,943 |
| Noninterest income to average assets | 0.2327% | 4,347 |
| Noninterest expense to average assets | 2.2044% | 4,246 |
| Loan and lease loss provision to assets | 0.0808% | 2,084 |
| Net operating income to assets | 1.1652% | 2,198 |
| Return on assets (ROA) | 1.1878% | 2,148 |
| Pretax return on assets | 1.1878% | 2,852 |
| Return on Equity (ROE) | 12.6080% | 1,355 |
| Retained earnings to average equity (ytd only) | 3.2764% | 3,612 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8876% | 3,254 |
| Assets per employee ($millions) | 6.7357% | 1,121 |
| Cash dividends to net income (ytd only)* | 74.0136% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 2,998 |
| Loan loss allowance to noncurrent loans | 84.7458% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 1,377 |
| Noncurrent loans to loans | 1.3251% | 1,232 |
| Net loans and leases to total assets | 75.9616% | 1,484 |
| Net loans and leases to deposits | 90.4722% | 1,571 |
| Net loans and leases to core deposits | 113.2295% | 773 |
| Total domestic deposits to total assets | 83.9613% | 3,056 |
| Equity capital to assets | 9.6316% | 4,150 |
| Core capital (leverage) ratio | 9.4622% | 4,176 |
| Tier 1 risk-based capital ratio | 12.3581% | 4,263 |
| Total risk-based capital ratio | 13.5030% | 4,189 |
| Memoranda: | ||
| Average total assets | $247,509,500 | 2,531 |
| Average earning assets | $235,737,000 | 2,486 |
| Average equity | $23,318,500 | 2,856 |
| Average total loans | $188,945,000 | 2,294 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9924% | 1,057 |
| Cost of funding earning assets | 1.2677% | 254 |
| Net interest margin | 3.7248% | 2,945 |
| Noninterest income to average assets | 0.2825% | 4,206 |
| Noninterest expense to average assets | 2.0901% | 4,585 |
| Loan and lease loss provision to assets | -0.0691% | 5,228 |
| Net operating income to assets | 1.8284% | 519 |
| Return on assets (ROA) | 1.7777% | 582 |
| Pretax return on assets | 1.7777% | 979 |
| Return on Equity (ROE) | 19.5426% | 277 |
| Retained earnings to average equity (ytd only) | 7.4503% | 1,478 |
| Net charge-offs to loans | -0.1429% | 5,217 |
| Credit loss provision to net charge-offs | 62.4060% | 3,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2959% | 4,588 |
| Assets per employee ($millions) | 6.1449% | 1,423 |
| Cash dividends to net income (ytd only)* | 61.8769% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 2,942 |
| Loan loss allowance to noncurrent loans | 113.9447% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 1,856 |
| Noncurrent loans to loans | 0.9886% | 1,643 |
| Net loans and leases to total assets | 74.9916% | 1,775 |
| Net loans and leases to deposits | 91.0774% | 1,657 |
| Net loans and leases to core deposits | 110.4436% | 973 |
| Total domestic deposits to total assets | 82.3383% | 3,541 |
| Equity capital to assets | 9.2080% | 4,398 |
| Core capital (leverage) ratio | 9.4913% | 4,120 |
| Tier 1 risk-based capital ratio | 12.5840% | 4,082 |
| Total risk-based capital ratio | 13.7322% | 4,014 |
| Memoranda: | ||
| Average total assets | $240,368,800 | 2,545 |
| Average earning assets | $230,187,600 | 2,484 |
| Average equity | $21,865,000 | 2,906 |
| Average total loans | $186,134,000 | 2,286 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 1,087 |
| Cost of funding earning assets | 1.1974% | 262 |
| Net interest margin | 3.7357% | 2,875 |
| Noninterest income to average assets | 0.2912% | 4,211 |
| Noninterest expense to average assets | 2.0411% | 4,662 |
| Loan and lease loss provision to assets | -0.0218% | 5,240 |
| Net operating income to assets | 1.8621% | 534 |
| Return on assets (ROA) | 1.8102% | 594 |
| Pretax return on assets | 1.8102% | 993 |
| Return on Equity (ROE) | 19.9629% | 276 |
| Retained earnings to average equity (ytd only) | 7.9729% | 1,671 |
| Net charge-offs to loans | -0.0996% | 5,161 |
| Credit loss provision to net charge-offs | 28.0576% | 2,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5870% | 4,747 |
| Assets per employee ($millions) | 6.0910% | 1,428 |
| Cash dividends to net income (ytd only)* | 60.0616% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 3,161 |
| Loan loss allowance to noncurrent loans | 107.8582% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7991% | 1,848 |
| Noncurrent loans to loans | 1.0244% | 1,677 |
| Net loans and leases to total assets | 77.1479% | 1,480 |
| Net loans and leases to deposits | 94.8671% | 1,280 |
| Net loans and leases to core deposits | 118.6072% | 622 |
| Total domestic deposits to total assets | 81.3221% | 3,784 |
| Equity capital to assets | 8.8158% | 4,709 |
| Core capital (leverage) ratio | 9.3519% | 4,333 |
| Tier 1 risk-based capital ratio | 12.3916% | 4,258 |
| Total risk-based capital ratio | 13.5388% | 4,212 |
| Memoranda: | ||
| Average total assets | $239,011,750 | 2,564 |
| Average earning assets | $229,706,750 | 2,502 |
| Average equity | $21,673,000 | 2,938 |
| Average total loans | $186,060,750 | 2,294 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 1,023 |
| Cost of funding earning assets | 1.1157% | 273 |
| Net interest margin | 3.7867% | 2,611 |
| Noninterest income to average assets | 0.2990% | 4,180 |
| Noninterest expense to average assets | 2.0474% | 4,712 |
| Loan and lease loss provision to assets | -0.0270% | 5,336 |
| Net operating income to assets | 1.9144% | 452 |
| Return on assets (ROA) | 1.8436% | 533 |
| Pretax return on assets | 1.8436% | 884 |
| Return on Equity (ROE) | 20.1402% | 255 |
| Retained earnings to average equity (ytd only) | 8.3174% | 1,484 |
| Net charge-offs to loans | -0.1429% | 5,258 |
| Credit loss provision to net charge-offs | 24.2424% | 2,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0334% | 4,888 |
| Assets per employee ($millions) | 6.4139% | 1,212 |
| Cash dividends to net income (ytd only)* | 58.7026% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,212 |
| Loan loss allowance to noncurrent loans | 157.5394% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 2,589 |
| Noncurrent loans to loans | 0.7036% | 2,351 |
| Net loans and leases to total assets | 76.8730% | 1,493 |
| Net loans and leases to deposits | 93.5421% | 1,412 |
| Net loans and leases to core deposits | 118.2543% | 619 |
| Total domestic deposits to total assets | 82.1801% | 3,659 |
| Equity capital to assets | 8.9612% | 4,589 |
| Core capital (leverage) ratio | 9.3487% | 4,301 |
| Tier 1 risk-based capital ratio | 11.0626% | 5,021 |
| Total risk-based capital ratio | 12.1048% | 5,017 |
| Memoranda: | ||
| Average total assets | $237,468,670 | 2,583 |
| Average earning assets | $228,010,670 | 2,526 |
| Average equity | $21,737,670 | 2,945 |
| Average total loans | $184,726,330 | 2,312 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 702 |
| Cost of funding earning assets | 1.0584% | 279 |
| Net interest margin | 3.9420% | 1,891 |
| Noninterest income to average assets | 0.2663% | 4,397 |
| Noninterest expense to average assets | 2.0005% | 4,849 |
| Loan and lease loss provision to assets | -0.2082% | 5,554 |
| Net operating income to assets | 2.2566% | 219 |
| Return on assets (ROA) | 2.2480% | 223 |
| Pretax return on assets | 2.2480% | 345 |
| Return on Equity (ROE) | 24.2922% | 96 |
| Retained earnings to average equity (ytd only) | 12.8378% | 546 |
| Net charge-offs to loans | -0.2676% | 5,432 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4098% | 5,115 |
| Assets per employee ($millions) | 6.5225% | 1,186 |
| Cash dividends to net income (ytd only)* | 47.1526% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,414 |
| Loan loss allowance to noncurrent loans | 79.4913% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.1788% | 1,300 |
| Noncurrent loans to loans | 1.3780% | 1,300 |
| Net loans and leases to total assets | 76.9093% | 1,399 |
| Net loans and leases to deposits | 91.2693% | 1,526 |
| Net loans and leases to core deposits | 111.3111% | 928 |
| Total domestic deposits to total assets | 84.2664% | 3,209 |
| Equity capital to assets | 9.1474% | 4,419 |
| Core capital (leverage) ratio | 9.5459% | 4,016 |
| Tier 1 risk-based capital ratio | 11.2469% | 5,008 |
| Total risk-based capital ratio | 12.2655% | 5,022 |
| Memoranda: | ||
| Average total assets | $234,339,000 | 2,629 |
| Average earning assets | $224,861,000 | 2,571 |
| Average equity | $21,686,000 | 2,979 |
| Average total loans | $182,359,000 | 2,345 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 1,064 |
| Cost of funding earning assets | 0.9706% | 257 |
| Net interest margin | 3.7852% | 2,477 |
| Noninterest income to average assets | 0.2295% | 4,768 |
| Noninterest expense to average assets | 2.1793% | 4,568 |
| Loan and lease loss provision to assets | 0.0276% | 3,728 |
| Net operating income to assets | 1.6301% | 614 |
| Return on assets (ROA) | 1.5929% | 678 |
| Pretax return on assets | 1.5929% | 1,310 |
| Return on Equity (ROE) | 15.9236% | 495 |
| Retained earnings to average equity (ytd only) | 5.3339% | 1,908 |
| Net charge-offs to loans | -0.0647% | 5,252 |
| Credit loss provision to net charge-offs | -52.1739% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7969% | 4,683 |
| Assets per employee ($millions) | 6.4964% | 1,212 |
| Cash dividends to net income (ytd only)* | 66.5030% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,370 |
| Loan loss allowance to noncurrent loans | 149.2537% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 2,248 |
| Noncurrent loans to loans | 0.7357% | 2,369 |
| Net loans and leases to total assets | 77.0209% | 1,423 |
| Net loans and leases to deposits | 90.2576% | 1,748 |
| Net loans and leases to core deposits | 107.9302% | 1,137 |
| Total domestic deposits to total assets | 85.3345% | 2,712 |
| Equity capital to assets | 9.3612% | 4,370 |
| Core capital (leverage) ratio | 9.3794% | 4,191 |
| Tier 1 risk-based capital ratio | 11.0444% | 5,117 |
| Total risk-based capital ratio | 12.0772% | 5,132 |
| Memoranda: | ||
| Average total assets | $217,406,800 | 2,751 |
| Average earning assets | $207,201,600 | 2,696 |
| Average equity | $21,747,600 | 2,974 |
| Average total loans | $177,741,000 | 2,357 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 947 |
| Cost of funding earning assets | 0.9434% | 267 |
| Net interest margin | 3.8440% | 2,241 |
| Noninterest income to average assets | 0.2357% | 4,801 |
| Noninterest expense to average assets | 2.1272% | 4,674 |
| Loan and lease loss provision to assets | 0.0175% | 3,796 |
| Net operating income to assets | 1.7534% | 517 |
| Return on assets (ROA) | 1.7503% | 537 |
| Pretax return on assets | 1.7503% | 1,003 |
| Return on Equity (ROE) | 17.1950% | 399 |
| Retained earnings to average equity (ytd only) | 6.9824% | 1,696 |
| Net charge-offs to loans | -0.0166% | 4,786 |
| Credit loss provision to net charge-offs | -127.2727% | 4,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5702% | 4,894 |
| Assets per employee ($millions) | 6.3273% | 1,294 |
| Cash dividends to net income (ytd only)* | 59.3929% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,940 |
| Loan loss allowance to noncurrent loans | 113.5675% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 2,040 |
| Noncurrent loans to loans | 0.8999% | 2,130 |
| Net loans and leases to total assets | 79.7171% | 1,025 |
| Net loans and leases to deposits | 98.5151% | 865 |
| Net loans and leases to core deposits | 116.2110% | 742 |
| Total domestic deposits to total assets | 80.9187% | 4,071 |
| Equity capital to assets | 9.5424% | 4,402 |
| Core capital (leverage) ratio | 9.5694% | 4,068 |
| Tier 1 risk-based capital ratio | 11.1334% | 5,168 |
| Total risk-based capital ratio | 12.1106% | 5,218 |
| Memoranda: | ||
| Average total assets | $213,291,250 | 2,808 |
| Average earning assets | $203,221,250 | 2,761 |
| Average equity | $21,711,250 | 3,005 |
| Average total loans | $176,644,250 | 2,378 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 1,166 |
| Cost of funding earning assets | 0.9117% | 283 |
| Net interest margin | 3.7319% | 2,538 |
| Noninterest income to average assets | 0.2447% | 4,777 |
| Noninterest expense to average assets | 2.1644% | 4,639 |
| Loan and lease loss provision to assets | -0.0086% | 5,539 |
| Net operating income to assets | 1.6310% | 651 |
| Return on assets (ROA) | 1.6300% | 674 |
| Pretax return on assets | 1.6300% | 1,251 |
| Return on Equity (ROE) | 15.6568% | 575 |
| Retained earnings to average equity (ytd only) | 6.2203% | 2,004 |
| Net charge-offs to loans | -0.0103% | 4,548 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1573% | 4,685 |
| Assets per employee ($millions) | 6.1486% | 1,358 |
| Cash dividends to net income (ytd only)* | 60.2707% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 4,117 |
| Loan loss allowance to noncurrent loans | 125.5158% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 2,579 |
| Noncurrent loans to loans | 0.8006% | 2,402 |
| Net loans and leases to total assets | 81.2234% | 785 |
| Net loans and leases to deposits | 101.5310% | 632 |
| Net loans and leases to core deposits | 115.8629% | 721 |
| Total domestic deposits to total assets | 79.9986% | 4,407 |
| Equity capital to assets | 9.5830% | 4,333 |
| Core capital (leverage) ratio | 9.8790% | 3,677 |
| Tier 1 risk-based capital ratio | 11.2035% | 5,135 |
| Total risk-based capital ratio | 12.1817% | 5,191 |
| Memoranda: | ||
| Average total assets | $208,460,670 | 2,872 |
| Average earning assets | $197,863,670 | 2,827 |
| Average equity | $21,703,000 | 3,007 |
| Average total loans | $174,373,330 | 2,399 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 1,020 |
| Cost of funding earning assets | 0.8709% | 330 |
| Net interest margin | 3.7836% | 2,173 |
| Noninterest income to average assets | 0.2297% | 4,900 |
| Noninterest expense to average assets | 2.2572% | 4,515 |
| Loan and lease loss provision to assets | -0.0099% | 5,655 |
| Net operating income to assets | 1.5524% | 746 |
| Return on assets (ROA) | 1.5504% | 770 |
| Pretax return on assets | 1.5504% | 1,377 |
| Return on Equity (ROE) | 14.2698% | 755 |
| Retained earnings to average equity (ytd only) | 4.9388% | 2,925 |
| Net charge-offs to loans | -0.0117% | 4,492 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4059% | 4,543 |
| Assets per employee ($millions) | 5.9724% | 1,529 |
| Cash dividends to net income (ytd only)* | 65.3895% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,991 |
| Loan loss allowance to noncurrent loans | 120.5416% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 2,434 |
| Noncurrent loans to loans | 0.8690% | 2,297 |
| Net loans and leases to total assets | 84.8986% | 298 |
| Net loans and leases to deposits | 102.6399% | 467 |
| Net loans and leases to core deposits | 114.5214% | 652 |
| Total domestic deposits to total assets | 82.7150% | 3,941 |
| Equity capital to assets | 9.9630% | 3,803 |
| Core capital (leverage) ratio | 10.3273% | 3,079 |
| Tier 1 risk-based capital ratio | 11.7999% | 4,851 |
| Total risk-based capital ratio | 12.8505% | 4,873 |
| Memoranda: | ||
| Average total assets | $202,016,000 | 2,972 |
| Average earning assets | $190,612,500 | 2,923 |
| Average equity | $21,948,500 | 2,991 |
| Average total loans | $170,753,500 | 2,454 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6339% | 1,202 |
| Cost of funding earning assets | 0.8500% | 391 |
| Net interest margin | 3.7839% | 2,374 |
| Noninterest income to average assets | 0.2330% | 5,019 |
| Noninterest expense to average assets | 2.3402% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4868% | 852 |
| Return on assets (ROA) | 1.4930% | 859 |
| Pretax return on assets | 1.4930% | 1,600 |
| Return on Equity (ROE) | 14.9729% | 632 |
| Retained earnings to average equity (ytd only) | 2.7110% | 3,978 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1502% | 4,389 |
| Assets per employee ($millions) | 5.7420% | 1,666 |
| Cash dividends to net income (ytd only)* | 81.8939% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,760 |
| Loan loss allowance to noncurrent loans | 144.1548% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 2,832 |
| Noncurrent loans to loans | 0.7568% | 2,642 |
| Net loans and leases to total assets | 82.3308% | 562 |
| Net loans and leases to deposits | 95.5549% | 1,037 |
| Net loans and leases to core deposits | 105.5984% | 1,158 |
| Total domestic deposits to total assets | 86.1607% | 2,508 |
| Equity capital to assets | 11.7758% | 1,951 |
| Core capital (leverage) ratio | 12.5471% | 1,315 |
| Tier 1 risk-based capital ratio | 14.1657% | 3,371 |
| Total risk-based capital ratio | 15.2364% | 3,379 |
| Memoranda: | ||
| Average total assets | $193,104,800 | 3,033 |
| Average earning assets | $183,408,800 | 2,982 |
| Average equity | $19,254,800 | 3,242 |
| Average total loans | $165,165,200 | 2,462 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,249 |
| Cost of funding earning assets | 0.8377% | 410 |
| Net interest margin | 3.7847% | 2,388 |
| Noninterest income to average assets | 0.2602% | 4,905 |
| Noninterest expense to average assets | 2.3208% | 4,487 |
| Loan and lease loss provision to assets | -0.0202% | 5,667 |
| Net operating income to assets | 1.5807% | 761 |
| Return on assets (ROA) | 1.6483% | 696 |
| Pretax return on assets | 1.6483% | 1,253 |
| Return on Equity (ROE) | 17.3567% | 411 |
| Retained earnings to average equity (ytd only) | 7.1762% | 1,537 |
| Net charge-offs to loans | -0.0235% | 5,068 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7951% | 4,570 |
| Assets per employee ($millions) | 5.6459% | 1,721 |
| Cash dividends to net income (ytd only)* | 58.6541% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,786 |
| Loan loss allowance to noncurrent loans | 139.4194% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 2,865 |
| Noncurrent loans to loans | 0.7945% | 2,686 |
| Net loans and leases to total assets | 84.8730% | 337 |
| Net loans and leases to deposits | 99.4670% | 739 |
| Net loans and leases to core deposits | 110.5552% | 881 |
| Total domestic deposits to total assets | 85.3277% | 2,666 |
| Equity capital to assets | 9.7692% | 4,398 |
| Core capital (leverage) ratio | 9.5593% | 4,103 |
| Tier 1 risk-based capital ratio | 11.4991% | 5,086 |
| Total risk-based capital ratio | 12.6482% | 5,054 |
| Memoranda: | ||
| Average total assets | $191,138,250 | 3,064 |
| Average earning assets | $182,872,000 | 2,995 |
| Average equity | $18,152,000 | 3,403 |
| Average total loans | $164,635,000 | 2,472 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5686% | 1,335 |
| Cost of funding earning assets | 0.8242% | 429 |
| Net interest margin | 3.7445% | 2,534 |
| Noninterest income to average assets | 0.2452% | 5,014 |
| Noninterest expense to average assets | 2.2906% | 4,636 |
| Loan and lease loss provision to assets | -0.0272% | 5,798 |
| Net operating income to assets | 1.5571% | 793 |
| Return on assets (ROA) | 1.6588% | 671 |
| Pretax return on assets | 1.6588% | 1,198 |
| Return on Equity (ROE) | 17.6362% | 386 |
| Retained earnings to average equity (ytd only) | 6.8072% | 1,712 |
| Net charge-offs to loans | -0.0316% | 5,148 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9561% | 4,646 |
| Assets per employee ($millions) | 5.5381% | 1,758 |
| Cash dividends to net income (ytd only)* | 61.4024% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 4,002 |
| Loan loss allowance to noncurrent loans | 150.2058% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 3,123 |
| Noncurrent loans to loans | 0.7248% | 2,922 |
| Net loans and leases to total assets | 85.5364% | 286 |
| Net loans and leases to deposits | 107.1241% | 329 |
| Net loans and leases to core deposits | 119.6019% | 524 |
| Total domestic deposits to total assets | 79.8480% | 4,581 |
| Equity capital to assets | 9.6068% | 4,662 |
| Core capital (leverage) ratio | 9.3685% | 4,378 |
| Tier 1 risk-based capital ratio | 11.2778% | 5,283 |
| Total risk-based capital ratio | 12.4278% | 5,247 |
| Memoranda: | ||
| Average total assets | $190,864,000 | 3,078 |
| Average earning assets | $182,243,000 | 3,015 |
| Average equity | $17,951,670 | 3,444 |
| Average total loans | $164,597,330 | 2,478 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 1,503 |
| Cost of funding earning assets | 0.8047% | 486 |
| Net interest margin | 3.6955% | 2,687 |
| Noninterest income to average assets | 0.2239% | 5,137 |
| Noninterest expense to average assets | 2.3044% | 4,650 |
| Loan and lease loss provision to assets | -0.0106% | 5,888 |
| Net operating income to assets | 1.4511% | 941 |
| Return on assets (ROA) | 1.4511% | 984 |
| Pretax return on assets | 1.4511% | 1,745 |
| Return on Equity (ROE) | 15.5986% | 585 |
| Retained earnings to average equity (ytd only) | 0.7720% | 4,908 |
| Net charge-offs to loans | -0.0123% | 4,621 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5341% | 4,522 |
| Assets per employee ($millions) | 5.6925% | 1,671 |
| Cash dividends to net income (ytd only)* | 95.0509% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 3,950 |
| Loan loss allowance to noncurrent loans | 108.6310% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 2,450 |
| Noncurrent loans to loans | 1.0301% | 2,323 |
| Net loans and leases to total assets | 85.8452% | 226 |
| Net loans and leases to deposits | 111.4620% | 197 |
| Net loans and leases to core deposits | 124.7889% | 358 |
| Total domestic deposits to total assets | 77.0174% | 5,285 |
| Equity capital to assets | 9.4021% | 4,766 |
| Core capital (leverage) ratio | 9.3473% | 4,436 |
| Tier 1 risk-based capital ratio | 11.3654% | 5,301 |
| Total risk-based capital ratio | 12.5630% | 5,239 |
| Memoranda: | ||
| Average total assets | $189,380,000 | 3,098 |
| Average earning assets | $180,435,500 | 3,042 |
| Average equity | $17,617,000 | 3,489 |
| Average total loans | $163,085,000 | 2,491 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 1,441 |
| Cost of funding earning assets | 0.8089% | 470 |
| Net interest margin | 3.7489% | 2,560 |
| Noninterest income to average assets | 0.2597% | 5,037 |
| Noninterest expense to average assets | 2.2223% | 5,000 |
| Loan and lease loss provision to assets | 0.1040% | 2,247 |
| Net operating income to assets | 1.5214% | 826 |
| Return on assets (ROA) | 1.5434% | 818 |
| Pretax return on assets | 1.5434% | 1,423 |
| Return on Equity (ROE) | 16.8335% | 474 |
| Retained earnings to average equity (ytd only) | 9.4640% | 541 |
| Net charge-offs to loans | 0.0407% | 3,407 |
| Credit loss provision to net charge-offs | 295.3125% | 1,004 |
| Earnings coverage of net charge-offs (x) | 46.1563% | 1,059 |
| Efficiency ratio | 57.7578% | 5,169 |
| Assets per employee ($millions) | 6.1584% | 1,281 |
| Cash dividends to net income (ytd only)* | 43.7790% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 3,937 |
| Loan loss allowance to noncurrent loans | 151.5781% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 2,877 |
| Noncurrent loans to loans | 0.7383% | 2,961 |
| Net loans and leases to total assets | 84.4690% | 351 |
| Net loans and leases to deposits | 106.6450% | 337 |
| Net loans and leases to core deposits | 118.3422% | 529 |
| Total domestic deposits to total assets | 79.2058% | 4,930 |
| Equity capital to assets | 9.2044% | 4,902 |
| Core capital (leverage) ratio | 9.3243% | 4,438 |
| Tier 1 risk-based capital ratio | 11.2928% | 5,382 |
| Total risk-based capital ratio | 12.4851% | 5,303 |
| Memoranda: | ||
| Average total assets | $181,745,800 | 3,140 |
| Average earning assets | $173,946,400 | 3,065 |
| Average equity | $16,663,200 | 3,572 |
| Average total loans | $157,068,200 | 2,503 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 1,439 |
| Cost of funding earning assets | 0.8109% | 467 |
| Net interest margin | 3.7440% | 2,597 |
| Noninterest income to average assets | 0.2630% | 5,059 |
| Noninterest expense to average assets | 2.2074% | 5,033 |
| Loan and lease loss provision to assets | 0.1137% | 1,986 |
| Net operating income to assets | 1.5372% | 871 |
| Return on assets (ROA) | 1.5387% | 904 |
| Pretax return on assets | 1.5387% | 1,578 |
| Return on Equity (ROE) | 16.8001% | 491 |
| Retained earnings to average equity (ytd only) | 9.4262% | 755 |
| Net charge-offs to loans | 0.0454% | 2,995 |
| Credit loss provision to net charge-offs | 288.6792% | 995 |
| Earnings coverage of net charge-offs (x) | 41.9274% | 1,199 |
| Efficiency ratio | 57.2116% | 5,203 |
| Assets per employee ($millions) | 5.9772% | 1,392 |
| Cash dividends to net income (ytd only)* | 43.8919% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 4,114 |
| Loan loss allowance to noncurrent loans | 120.2405% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 2,868 |
| Noncurrent loans to loans | 0.9316% | 2,645 |
| Net loans and leases to total assets | 85.7540% | 245 |
| Net loans and leases to deposits | 111.6854% | 220 |
| Net loans and leases to core deposits | 126.6677% | 324 |
| Total domestic deposits to total assets | 76.7818% | 5,381 |
| Equity capital to assets | 9.1881% | 5,131 |
| Core capital (leverage) ratio | 9.1856% | 4,747 |
| Tier 1 risk-based capital ratio | 11.2565% | 5,515 |
| Total risk-based capital ratio | 12.4574% | 5,441 |
| Memoranda: | ||
| Average total assets | $179,455,000 | 3,199 |
| Average earning assets | $172,325,000 | 3,112 |
| Average equity | $16,436,000 | 3,636 |
| Average total loans | $155,564,250 | 2,537 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 1,592 |
| Cost of funding earning assets | 0.8150% | 456 |
| Net interest margin | 3.6664% | 2,851 |
| Noninterest income to average assets | 0.2738% | 4,992 |
| Noninterest expense to average assets | 2.1340% | 5,265 |
| Loan and lease loss provision to assets | 0.1375% | 1,592 |
| Net operating income to assets | 1.5199% | 867 |
| Return on assets (ROA) | 1.5256% | 903 |
| Pretax return on assets | 1.5256% | 1,568 |
| Return on Equity (ROE) | 16.6752% | 531 |
| Retained earnings to average equity (ytd only) | 9.1874% | 866 |
| Net charge-offs to loans | -0.0039% | 4,685 |
| Credit loss provision to net charge-offs | -4,066.6667% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2853% | 5,403 |
| Assets per employee ($millions) | 5.9967% | 1,357 |
| Cash dividends to net income (ytd only)* | 44.9040% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,998 |
| Loan loss allowance to noncurrent loans | 123.6450% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 2,920 |
| Noncurrent loans to loans | 0.9428% | 2,771 |
| Net loans and leases to total assets | 86.0084% | 242 |
| Net loans and leases to deposits | 108.4766% | 293 |
| Net loans and leases to core deposits | 122.4372% | 406 |
| Total domestic deposits to total assets | 79.2875% | 5,030 |
| Equity capital to assets | 9.1673% | 5,059 |
| Core capital (leverage) ratio | 9.2174% | 4,666 |
| Tier 1 risk-based capital ratio | 11.4508% | 5,498 |
| Total risk-based capital ratio | 12.7012% | 5,415 |
| Memoranda: | ||
| Average total assets | $177,508,670 | 3,253 |
| Average earning assets | $170,302,670 | 3,164 |
| Average equity | $16,239,670 | 3,687 |
| Average total loans | $153,853,330 | 2,570 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 1,595 |
| Cost of funding earning assets | 0.8162% | 459 |
| Net interest margin | 3.6386% | 2,862 |
| Noninterest income to average assets | 0.2291% | 5,317 |
| Noninterest expense to average assets | 2.1689% | 5,230 |
| Loan and lease loss provision to assets | 0.0703% | 2,533 |
| Net operating income to assets | 1.4792% | 880 |
| Return on assets (ROA) | 1.4905% | 921 |
| Pretax return on assets | 1.4905% | 1,596 |
| Return on Equity (ROE) | 16.3093% | 532 |
| Retained earnings to average equity (ytd only) | 8.6884% | 1,312 |
| Net charge-offs to loans | 0.0420% | 2,394 |
| Credit loss provision to net charge-offs | 193.7500% | 1,074 |
| Earnings coverage of net charge-offs (x) | 42.6875% | 938 |
| Efficiency ratio | 58.3282% | 5,300 |
| Assets per employee ($millions) | 5.8239% | 1,533 |
| Cash dividends to net income (ytd only)* | 46.7275% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 4,401 |
| Loan loss allowance to noncurrent loans | 112.6807% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 2,898 |
| Noncurrent loans to loans | 0.9978% | 2,766 |
| Net loans and leases to total assets | 86.3254% | 169 |
| Net loans and leases to deposits | 106.6624% | 290 |
| Net loans and leases to core deposits | 119.5608% | 424 |
| Total domestic deposits to total assets | 80.9333% | 4,839 |
| Equity capital to assets | 9.3299% | 4,926 |
| Core capital (leverage) ratio | 9.1654% | 4,768 |
| Tier 1 risk-based capital ratio | 11.2007% | 5,713 |
| Total risk-based capital ratio | 12.3969% | 5,656 |
| Memoranda: | ||
| Average total assets | $176,312,500 | 3,289 |
| Average earning assets | $169,075,500 | 3,193 |
| Average equity | $16,113,500 | 3,730 |
| Average total loans | $152,502,500 | 2,592 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 1,792 |
| Cost of funding earning assets | 0.8535% | 496 |
| Net interest margin | 3.6667% | 3,139 |
| Noninterest income to average assets | 0.2719% | 5,174 |
| Noninterest expense to average assets | 2.2408% | 5,261 |
| Loan and lease loss provision to assets | 0.0780% | 2,918 |
| Net operating income to assets | 1.4629% | 948 |
| Return on assets (ROA) | 1.4695% | 972 |
| Pretax return on assets | 1.4695% | 1,660 |
| Return on Equity (ROE) | 16.2156% | 596 |
| Retained earnings to average equity (ytd only) | 9.2339% | 654 |
| Net charge-offs to loans | 0.0383% | 4,064 |
| Credit loss provision to net charge-offs | 236.3636% | 1,070 |
| Earnings coverage of net charge-offs (x) | 46.6727% | 976 |
| Efficiency ratio | 59.2540% | 5,313 |
| Assets per employee ($millions) | 5.9302% | 1,431 |
| Cash dividends to net income (ytd only)* | 43.0556% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 4,470 |
| Loan loss allowance to noncurrent loans | 117.3223% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 3,170 |
| Noncurrent loans to loans | 0.9504% | 2,950 |
| Net loans and leases to total assets | 84.7432% | 297 |
| Net loans and leases to deposits | 106.0971% | 354 |
| Net loans and leases to core deposits | 117.6529% | 484 |
| Total domestic deposits to total assets | 79.8732% | 5,056 |
| Equity capital to assets | 8.9519% | 5,342 |
| Core capital (leverage) ratio | 9.1867% | 4,696 |
| Tier 1 risk-based capital ratio | 11.0702% | 5,882 |
| Total risk-based capital ratio | 12.2682% | 5,839 |
| Memoranda: | ||
| Average total assets | $166,590,200 | 3,385 |
| Average earning assets | $159,460,600 | 3,292 |
| Average equity | $15,096,600 | 3,813 |
| Average total loans | $143,712,000 | 2,652 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 1,781 |
| Cost of funding earning assets | 0.8644% | 501 |
| Net interest margin | 3.6615% | 3,184 |
| Noninterest income to average assets | 0.2776% | 5,217 |
| Noninterest expense to average assets | 2.2667% | 5,191 |
| Loan and lease loss provision to assets | -0.0041% | 6,070 |
| Net operating income to assets | 1.5225% | 896 |
| Return on assets (ROA) | 1.5306% | 913 |
| Pretax return on assets | 1.5306% | 1,540 |
| Return on Equity (ROE) | 16.8350% | 572 |
| Retained earnings to average equity (ytd only) | 10.6472% | 564 |
| Net charge-offs to loans | -0.0518% | 5,922 |
| Credit loss provision to net charge-offs | 9.0909% | 3,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8838% | 5,195 |
| Assets per employee ($millions) | 5.6866% | 1,571 |
| Cash dividends to net income (ytd only)* | 36.7554% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 4,541 |
| Loan loss allowance to noncurrent loans | 115.7567% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8482% | 3,292 |
| Noncurrent loans to loans | 0.9879% | 3,101 |
| Net loans and leases to total assets | 84.8807% | 267 |
| Net loans and leases to deposits | 105.6809% | 341 |
| Net loans and leases to core deposits | 114.6990% | 565 |
| Total domestic deposits to total assets | 80.3179% | 5,009 |
| Equity capital to assets | 9.1666% | 5,188 |
| Core capital (leverage) ratio | 9.2641% | 4,687 |
| Tier 1 risk-based capital ratio | 11.5050% | 5,788 |
| Total risk-based capital ratio | 12.7479% | 5,722 |
| Memoranda: | ||
| Average total assets | $163,761,000 | 3,461 |
| Average earning assets | $156,871,250 | 3,350 |
| Average equity | $14,889,250 | 3,879 |
| Average total loans | $141,524,000 | 2,705 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 1,838 |
| Cost of funding earning assets | 0.8806% | 474 |
| Net interest margin | 3.6169% | 3,293 |
| Noninterest income to average assets | 0.2799% | 5,187 |
| Noninterest expense to average assets | 2.3408% | 5,054 |
| Loan and lease loss provision to assets | -0.0074% | 6,221 |
| Net operating income to assets | 1.4057% | 1,047 |
| Return on assets (ROA) | 1.4181% | 1,066 |
| Pretax return on assets | 1.4181% | 1,826 |
| Return on Equity (ROE) | 15.6424% | 689 |
| Retained earnings to average equity (ytd only) | 9.6997% | 793 |
| Net charge-offs to loans | -0.0300% | 5,688 |
| Credit loss provision to net charge-offs | 28.5714% | 3,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6035% | 4,927 |
| Assets per employee ($millions) | 5.5610% | 1,644 |
| Cash dividends to net income (ytd only)* | 37.9913% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 4,687 |
| Loan loss allowance to noncurrent loans | 122.7545% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 3,246 |
| Noncurrent loans to loans | 0.9321% | 3,381 |
| Net loans and leases to total assets | 84.9309% | 239 |
| Net loans and leases to deposits | 105.7127% | 313 |
| Net loans and leases to core deposits | 114.7100% | 510 |
| Total domestic deposits to total assets | 80.3412% | 5,167 |
| Equity capital to assets | 9.0589% | 5,238 |
| Core capital (leverage) ratio | 9.3444% | 4,537 |
| Tier 1 risk-based capital ratio | 11.3425% | 5,882 |
| Total risk-based capital ratio | 12.5806% | 5,837 |
| Memoranda: | ||
| Average total assets | $161,482,330 | 3,513 |
| Average earning assets | $154,440,670 | 3,405 |
| Average equity | $14,639,670 | 3,921 |
| Average total loans | $139,872,330 | 2,731 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 1,906 |
| Cost of funding earning assets | 0.8981% | 459 |
| Net interest margin | 3.5712% | 3,384 |
| Noninterest income to average assets | 0.2368% | 5,466 |
| Noninterest expense to average assets | 2.3122% | 5,160 |
| Loan and lease loss provision to assets | -0.0176% | 6,417 |
| Net operating income to assets | 1.3576% | 1,078 |
| Return on assets (ROA) | 1.3576% | 1,124 |
| Pretax return on assets | 1.3576% | 1,888 |
| Return on Equity (ROE) | 14.9691% | 776 |
| Retained earnings to average equity (ytd only) | 8.9426% | 1,266 |
| Net charge-offs to loans | -0.0203% | 5,370 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3103% | 4,959 |
| Assets per employee ($millions) | 5.4468% | 1,752 |
| Cash dividends to net income (ytd only)* | 40.2597% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 4,705 |
| Loan loss allowance to noncurrent loans | 99.0250% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1655% | 2,929 |
| Noncurrent loans to loans | 1.1972% | 3,045 |
| Net loans and leases to total assets | 85.7455% | 153 |
| Net loans and leases to deposits | 103.6639% | 306 |
| Net loans and leases to core deposits | 109.1122% | 621 |
| Total domestic deposits to total assets | 82.7149% | 4,710 |
| Equity capital to assets | 9.2576% | 4,802 |
| Core capital (leverage) ratio | 9.2285% | 4,674 |
| Tier 1 risk-based capital ratio | 11.6161% | 5,851 |
| Total risk-based capital ratio | 12.8669% | 5,799 |
| Memoranda: | ||
| Average total assets | $158,808,000 | 3,577 |
| Average earning assets | $151,880,500 | 3,473 |
| Average equity | $14,403,000 | 3,971 |
| Average total loans | $138,143,000 | 2,762 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 2,352 |
| Cost of funding earning assets | 0.9993% | 443 |
| Net interest margin | 3.4630% | 4,047 |
| Noninterest income to average assets | 0.3146% | 5,097 |
| Noninterest expense to average assets | 2.4372% | 4,965 |
| Loan and lease loss provision to assets | -0.0396% | 6,355 |
| Net operating income to assets | 1.2368% | 1,430 |
| Return on assets (ROA) | 1.2361% | 1,494 |
| Pretax return on assets | 1.2361% | 2,434 |
| Return on Equity (ROE) | 13.7418% | 1,006 |
| Retained earnings to average equity (ytd only) | 6.9937% | 1,436 |
| Net charge-offs to loans | -0.0460% | 6,314 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0601% | 4,362 |
| Assets per employee ($millions) | 5.7021% | 1,473 |
| Cash dividends to net income (ytd only)* | 49.1062% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 4,822 |
| Loan loss allowance to noncurrent loans | 80.0098% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.4869% | 2,502 |
| Noncurrent loans to loans | 1.4588% | 2,708 |
| Net loans and leases to total assets | 86.1805% | 146 |
| Net loans and leases to deposits | 105.3940% | 284 |
| Net loans and leases to core deposits | 112.0334% | 538 |
| Total domestic deposits to total assets | 81.7699% | 4,950 |
| Equity capital to assets | 8.8833% | 5,166 |
| Core capital (leverage) ratio | 9.0618% | 4,912 |
| Tier 1 risk-based capital ratio | 11.1459% | 6,098 |
| Total risk-based capital ratio | 12.3940% | 6,052 |
| Memoranda: | ||
| Average total assets | $153,866,000 | 3,644 |
| Average earning assets | $147,503,400 | 3,548 |
| Average equity | $13,841,000 | 4,096 |
| Average total loans | $132,515,200 | 2,814 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 2,421 |
| Cost of funding earning assets | 1.0164% | 454 |
| Net interest margin | 3.4332% | 4,154 |
| Noninterest income to average assets | 0.3132% | 5,201 |
| Noninterest expense to average assets | 2.4336% | 4,924 |
| Loan and lease loss provision to assets | -0.0411% | 6,536 |
| Net operating income to assets | 1.2124% | 1,592 |
| Return on assets (ROA) | 1.2116% | 1,669 |
| Pretax return on assets | 1.2116% | 2,651 |
| Return on Equity (ROE) | 13.4246% | 1,133 |
| Retained earnings to average equity (ytd only) | 7.0370% | 1,856 |
| Net charge-offs to loans | -0.0479% | 6,290 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5079% | 4,188 |
| Assets per employee ($millions) | 5.4325% | 1,695 |
| Cash dividends to net income (ytd only)* | 47.5810% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 4,799 |
| Loan loss allowance to noncurrent loans | 73.3634% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.6047% | 2,544 |
| Noncurrent loans to loans | 1.6574% | 2,699 |
| Net loans and leases to total assets | 83.7986% | 257 |
| Net loans and leases to deposits | 100.9852% | 430 |
| Net loans and leases to core deposits | 107.4636% | 688 |
| Total domestic deposits to total assets | 82.9810% | 4,578 |
| Equity capital to assets | 8.9018% | 5,299 |
| Core capital (leverage) ratio | 9.0356% | 5,070 |
| Tier 1 risk-based capital ratio | 11.3999% | 6,101 |
| Total risk-based capital ratio | 12.6507% | 6,068 |
| Memoranda: | ||
| Average total assets | $152,417,750 | 3,697 |
| Average earning assets | $146,136,250 | 3,606 |
| Average equity | $13,755,500 | 4,162 |
| Average total loans | $130,839,000 | 2,863 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 2,461 |
| Cost of funding earning assets | 1.0252% | 480 |
| Net interest margin | 3.4041% | 4,174 |
| Noninterest income to average assets | 0.3172% | 5,166 |
| Noninterest expense to average assets | 2.5214% | 4,656 |
| Loan and lease loss provision to assets | -0.0518% | 6,650 |
| Net operating income to assets | 1.1214% | 1,858 |
| Return on assets (ROA) | 1.1200% | 1,977 |
| Pretax return on assets | 1.1200% | 3,013 |
| Return on Equity (ROE) | 12.3518% | 1,389 |
| Retained earnings to average equity (ytd only) | 5.9857% | 2,453 |
| Net charge-offs to loans | -0.0600% | 6,329 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2143% | 3,788 |
| Assets per employee ($millions) | 5.5009% | 1,593 |
| Cash dividends to net income (ytd only)* | 51.5403% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 4,938 |
| Loan loss allowance to noncurrent loans | 85.0340% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.5088% | 2,836 |
| Noncurrent loans to loans | 1.4225% | 3,165 |
| Net loans and leases to total assets | 86.1673% | 144 |
| Net loans and leases to deposits | 104.1366% | 261 |
| Net loans and leases to core deposits | 109.9750% | 564 |
| Total domestic deposits to total assets | 82.7445% | 4,803 |
| Equity capital to assets | 8.8433% | 5,394 |
| Core capital (leverage) ratio | 9.0353% | 4,929 |
| Tier 1 risk-based capital ratio | 11.2117% | 6,239 |
| Total risk-based capital ratio | 12.4628% | 6,206 |
| Memoranda: | ||
| Average total assets | $150,709,670 | 3,754 |
| Average earning assets | $144,943,330 | 3,648 |
| Average equity | $13,666,000 | 4,213 |
| Average total loans | $129,904,330 | 2,876 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 2,465 |
| Cost of funding earning assets | 1.0391% | 499 |
| Net interest margin | 3.3771% | 4,208 |
| Noninterest income to average assets | 0.2764% | 5,477 |
| Noninterest expense to average assets | 2.7132% | 4,005 |
| Loan and lease loss provision to assets | -0.0027% | 6,719 |
| Net operating income to assets | 0.8105% | 3,097 |
| Return on assets (ROA) | 0.8078% | 3,248 |
| Pretax return on assets | 0.8078% | 4,140 |
| Return on Equity (ROE) | 8.7957% | 2,583 |
| Retained earnings to average equity (ytd only) | 1.6949% | 5,135 |
| Net charge-offs to loans | -0.0031% | 5,199 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0579% | 2,753 |
| Assets per employee ($millions) | 5.3178% | 1,842 |
| Cash dividends to net income (ytd only)* | 80.7309% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 4,869 |
| Loan loss allowance to noncurrent loans | 73.5960% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6844% | 2,766 |
| Noncurrent loans to loans | 1.7191% | 2,968 |
| Net loans and leases to total assets | 85.1671% | 157 |
| Net loans and leases to deposits | 101.9086% | 285 |
| Net loans and leases to core deposits | 109.1484% | 522 |
| Total domestic deposits to total assets | 83.5721% | 4,636 |
| Equity capital to assets | 9.2096% | 5,241 |
| Core capital (leverage) ratio | 9.0819% | 4,744 |
| Tier 1 risk-based capital ratio | 11.4235% | 6,225 |
| Total risk-based capital ratio | 12.6753% | 6,198 |
| Memoranda: | ||
| Average total assets | $149,051,500 | 3,830 |
| Average earning assets | $143,198,000 | 3,710 |
| Average equity | $13,688,500 | 4,249 |
| Average total loans | $127,684,000 | 2,938 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 2,471 |
| Cost of funding earning assets | 1.1980% | 590 |
| Net interest margin | 3.5327% | 4,363 |
| Noninterest income to average assets | 0.2968% | 5,346 |
| Noninterest expense to average assets | 2.5851% | 4,790 |
| Loan and lease loss provision to assets | 0.0252% | 5,577 |
| Net operating income to assets | 1.0666% | 2,062 |
| Return on assets (ROA) | 1.0775% | 2,207 |
| Pretax return on assets | 1.0775% | 3,242 |
| Return on Equity (ROE) | 11.8214% | 1,560 |
| Retained earnings to average equity (ytd only) | 5.4365% | 2,424 |
| Net charge-offs to loans | -0.0393% | 6,663 |
| Credit loss provision to net charge-offs | -75.5102% | 6,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3073% | 3,751 |
| Assets per employee ($millions) | 4.9735% | 2,259 |
| Cash dividends to net income (ytd only)* | 54.0114% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 4,737 |
| Loan loss allowance to noncurrent loans | 87.3656% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5100% | 3,120 |
| Noncurrent loans to loans | 1.4654% | 3,399 |
| Net loans and leases to total assets | 83.9823% | 215 |
| Net loans and leases to deposits | 98.0140% | 506 |
| Net loans and leases to core deposits | 104.7946% | 743 |
| Total domestic deposits to total assets | 85.6840% | 3,520 |
| Equity capital to assets | 9.1579% | 5,327 |
| Core capital (leverage) ratio | 8.8567% | 5,086 |
| Tier 1 risk-based capital ratio | 11.5461% | 6,064 |
| Total risk-based capital ratio | 12.7339% | 6,082 |
| Memoranda: | ||
| Average total assets | $146,919,400 | 3,828 |
| Average earning assets | $140,572,600 | 3,716 |
| Average equity | $13,391,000 | 4,275 |
| Average total loans | $124,664,200 | 2,987 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 2,556 |
| Cost of funding earning assets | 1.2235% | 625 |
| Net interest margin | 3.5326% | 4,517 |
| Noninterest income to average assets | 0.2888% | 5,474 |
| Noninterest expense to average assets | 2.5309% | 4,985 |
| Loan and lease loss provision to assets | 0.0401% | 5,272 |
| Net operating income to assets | 1.0978% | 2,095 |
| Return on assets (ROA) | 1.1005% | 2,281 |
| Pretax return on assets | 1.1005% | 3,347 |
| Return on Equity (ROE) | 12.0893% | 1,601 |
| Retained earnings to average equity (ytd only) | 5.9846% | 2,704 |
| Net charge-offs to loans | -0.0451% | 6,682 |
| Credit loss provision to net charge-offs | -104.7619% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9844% | 3,880 |
| Assets per employee ($millions) | 5.0073% | 2,186 |
| Cash dividends to net income (ytd only)* | 50.4964% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 4,961 |
| Loan loss allowance to noncurrent loans | 56.8182% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.3426% | 2,268 |
| Noncurrent loans to loans | 2.2308% | 2,580 |
| Net loans and leases to total assets | 84.2617% | 209 |
| Net loans and leases to deposits | 101.7590% | 365 |
| Net loans and leases to core deposits | 107.5987% | 666 |
| Total domestic deposits to total assets | 82.8052% | 4,721 |
| Equity capital to assets | 9.0940% | 5,720 |
| Core capital (leverage) ratio | 9.0180% | 5,038 |
| Tier 1 risk-based capital ratio | 11.2454% | 6,383 |
| Total risk-based capital ratio | 12.4969% | 6,351 |
| Memoranda: | ||
| Average total assets | $146,348,250 | 3,873 |
| Average earning assets | $140,027,000 | 3,765 |
| Average equity | $13,322,750 | 4,335 |
| Average total loans | $124,097,750 | 3,032 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 2,662 |
| Cost of funding earning assets | 1.2522% | 641 |
| Net interest margin | 3.5129% | 4,614 |
| Noninterest income to average assets | 0.3240% | 5,237 |
| Noninterest expense to average assets | 2.5121% | 5,100 |
| Loan and lease loss provision to assets | 0.0827% | 4,562 |
| Net operating income to assets | 1.0865% | 2,098 |
| Return on assets (ROA) | 1.0906% | 2,300 |
| Pretax return on assets | 1.0906% | 3,337 |
| Return on Equity (ROE) | 11.9758% | 1,678 |
| Retained earnings to average equity (ytd only) | 6.4194% | 2,428 |
| Net charge-offs to loans | -0.0261% | 6,490 |
| Credit loss provision to net charge-offs | -375.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2397% | 4,078 |
| Assets per employee ($millions) | 4.9184% | 2,272 |
| Cash dividends to net income (ytd only)* | 46.3970% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 4,945 |
| Loan loss allowance to noncurrent loans | 59.5282% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.3178% | 2,416 |
| Noncurrent loans to loans | 2.1605% | 2,755 |
| Net loans and leases to total assets | 84.0104% | 214 |
| Net loans and leases to deposits | 101.5841% | 359 |
| Net loans and leases to core deposits | 108.4591% | 643 |
| Total domestic deposits to total assets | 82.7003% | 4,876 |
| Equity capital to assets | 9.1148% | 5,569 |
| Core capital (leverage) ratio | 9.0888% | 4,779 |
| Tier 1 risk-based capital ratio | 11.1609% | 6,421 |
| Total risk-based capital ratio | 12.4128% | 6,401 |
| Memoranda: | ||
| Average total assets | $145,057,670 | 3,918 |
| Average earning assets | $138,632,670 | 3,807 |
| Average equity | $13,210,000 | 4,358 |
| Average total loans | $122,729,330 | 3,075 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 2,602 |
| Cost of funding earning assets | 1.2766% | 696 |
| Net interest margin | 3.5326% | 4,561 |
| Noninterest income to average assets | 0.2948% | 5,510 |
| Noninterest expense to average assets | 2.6646% | 4,567 |
| Loan and lease loss provision to assets | 0.0334% | 4,959 |
| Net operating income to assets | 0.9679% | 2,601 |
| Return on assets (ROA) | 0.9735% | 2,785 |
| Pretax return on assets | 0.9735% | 3,780 |
| Return on Equity (ROE) | 10.6948% | 2,142 |
| Retained earnings to average equity (ytd only) | 5.3474% | 3,342 |
| Net charge-offs to loans | -0.0429% | 6,477 |
| Credit loss provision to net charge-offs | -92.3077% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6859% | 3,312 |
| Assets per employee ($millions) | 4.8818% | 2,416 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 5,106 |
| Loan loss allowance to noncurrent loans | 58.6802% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.4044% | 2,461 |
| Noncurrent loans to loans | 2.1825% | 2,934 |
| Net loans and leases to total assets | 85.2125% | 146 |
| Net loans and leases to deposits | 102.8562% | 284 |
| Net loans and leases to core deposits | 109.0139% | 569 |
| Total domestic deposits to total assets | 82.8462% | 4,990 |
| Equity capital to assets | 9.3020% | 5,091 |
| Core capital (leverage) ratio | 9.0966% | 4,687 |
| Tier 1 risk-based capital ratio | 11.5571% | 6,248 |
| Total risk-based capital ratio | 12.8090% | 6,221 |
| Memoranda: | ||
| Average total assets | $143,810,500 | 3,977 |
| Average earning assets | $137,236,000 | 3,860 |
| Average equity | $13,090,500 | 4,392 |
| Average total loans | $121,307,000 | 3,122 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 3,123 |
| Cost of funding earning assets | 1.3987% | 1,047 |
| Net interest margin | 3.5474% | 4,950 |
| Noninterest income to average assets | 0.3657% | 4,890 |
| Noninterest expense to average assets | 2.6657% | 4,866 |
| Loan and lease loss provision to assets | 0.0636% | 5,814 |
| Net operating income to assets | 1.0387% | 2,049 |
| Return on assets (ROA) | 1.0387% | 2,201 |
| Pretax return on assets | 1.0387% | 3,091 |
| Return on Equity (ROE) | 11.9206% | 1,426 |
| Retained earnings to average equity (ytd only) | 7.4078% | 1,312 |
| Net charge-offs to loans | 0.2541% | 4,184 |
| Credit loss provision to net charge-offs | 29.2359% | 5,795 |
| Earnings coverage of net charge-offs (x) | 5.0664% | 2,906 |
| Efficiency ratio | 70.7462% | 3,818 |
| Assets per employee ($millions) | 5.0362% | 2,144 |
| Cash dividends to net income (ytd only)* | 37.8566% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 5,025 |
| Loan loss allowance to noncurrent loans | 65.6436% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.1616% | 2,778 |
| Noncurrent loans to loans | 1.9483% | 3,275 |
| Net loans and leases to total assets | 81.3919% | 381 |
| Net loans and leases to deposits | 97.4488% | 590 |
| Net loans and leases to core deposits | 103.4722% | 933 |
| Total domestic deposits to total assets | 83.5227% | 4,530 |
| Equity capital to assets | 8.9093% | 5,665 |
| Core capital (leverage) ratio | 8.8955% | 4,952 |
| Tier 1 risk-based capital ratio | 11.2216% | 6,333 |
| Total risk-based capital ratio | 12.4290% | 6,341 |
| Memoranda: | ||
| Average total assets | $138,351,000 | 4,005 |
| Average earning assets | $132,690,400 | 3,878 |
| Average equity | $12,054,800 | 4,537 |
| Average total loans | $118,461,800 | 3,209 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 2,982 |
| Cost of funding earning assets | 1.4200% | 1,152 |
| Net interest margin | 3.6033% | 4,753 |
| Noninterest income to average assets | 0.3821% | 4,789 |
| Noninterest expense to average assets | 2.6710% | 4,838 |
| Loan and lease loss provision to assets | 0.0801% | 5,438 |
| Net operating income to assets | 1.0956% | 1,988 |
| Return on assets (ROA) | 1.0956% | 2,137 |
| Pretax return on assets | 1.0956% | 3,036 |
| Return on Equity (ROE) | 12.6497% | 1,373 |
| Retained earnings to average equity (ytd only) | 6.5110% | 2,235 |
| Net charge-offs to loans | 0.3323% | 3,429 |
| Credit loss provision to net charge-offs | 27.8912% | 5,441 |
| Earnings coverage of net charge-offs (x) | 4.0918% | 3,184 |
| Efficiency ratio | 69.4360% | 4,050 |
| Assets per employee ($millions) | 4.6552% | 2,684 |
| Cash dividends to net income (ytd only)* | 48.5284% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 5,051 |
| Loan loss allowance to noncurrent loans | 54.1652% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.3372% | 2,744 |
| Noncurrent loans to loans | 2.3837% | 2,905 |
| Net loans and leases to total assets | 84.3560% | 199 |
| Net loans and leases to deposits | 102.3927% | 375 |
| Net loans and leases to core deposits | 109.6693% | 690 |
| Total domestic deposits to total assets | 82.3847% | 4,935 |
| Equity capital to assets | 8.8130% | 5,968 |
| Core capital (leverage) ratio | 8.6536% | 5,480 |
| Tier 1 risk-based capital ratio | 10.8662% | 6,620 |
| Total risk-based capital ratio | 12.0760% | 6,627 |
| Memoranda: | ||
| Average total assets | $136,426,500 | 4,075 |
| Average earning assets | $131,173,750 | 3,931 |
| Average equity | $11,815,500 | 4,618 |
| Average total loans | $117,974,250 | 3,244 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9685% | 3,318 |
| Cost of funding earning assets | 1.4268% | 1,301 |
| Net interest margin | 3.5417% | 4,961 |
| Noninterest income to average assets | 0.3709% | 4,900 |
| Noninterest expense to average assets | 2.6420% | 5,031 |
| Loan and lease loss provision to assets | 0.1064% | 4,975 |
| Net operating income to assets | 1.0299% | 2,105 |
| Return on assets (ROA) | 1.0299% | 2,198 |
| Pretax return on assets | 1.0299% | 3,119 |
| Return on Equity (ROE) | 11.9643% | 1,504 |
| Retained earnings to average equity (ytd only) | 5.9392% | 2,471 |
| Net charge-offs to loans | 0.3268% | 3,254 |
| Credit loss provision to net charge-offs | 37.5000% | 4,862 |
| Earnings coverage of net charge-offs (x) | 4.0052% | 2,996 |
| Efficiency ratio | 69.9257% | 4,139 |
| Assets per employee ($millions) | 4.6894% | 2,562 |
| Cash dividends to net income (ytd only)* | 50.3587% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 4,668 |
| Loan loss allowance to noncurrent loans | 39.9364% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 3.2737% | 2,042 |
| Noncurrent loans to loans | 3.4579% | 2,049 |
| Net loans and leases to total assets | 85.7528% | 148 |
| Net loans and leases to deposits | 106.9577% | 237 |
| Net loans and leases to core deposits | 112.7671% | 626 |
| Total domestic deposits to total assets | 80.1746% | 5,777 |
| Equity capital to assets | 8.7946% | 5,821 |
| Core capital (leverage) ratio | 8.6652% | 5,275 |
| Tier 1 risk-based capital ratio | 10.7963% | 6,665 |
| Total risk-based capital ratio | 12.0065% | 6,664 |
| Memoranda: | ||
| Average total assets | $135,349,670 | 4,120 |
| Average earning assets | $130,219,330 | 3,978 |
| Average equity | $11,651,330 | 4,656 |
| Average total loans | $117,515,670 | 3,275 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 3,679 |
| Cost of funding earning assets | 1.4271% | 1,482 |
| Net interest margin | 3.4551% | 5,202 |
| Noninterest income to average assets | 0.3466% | 5,133 |
| Noninterest expense to average assets | 2.7550% | 4,626 |
| Loan and lease loss provision to assets | 0.0030% | 5,821 |
| Net operating income to assets | 0.9094% | 2,516 |
| Return on assets (ROA) | 0.9094% | 2,574 |
| Pretax return on assets | 0.9094% | 3,460 |
| Return on Equity (ROE) | 10.6810% | 1,839 |
| Retained earnings to average equity (ytd only) | 4.0010% | 3,773 |
| Net charge-offs to loans | 0.4132% | 2,450 |
| Credit loss provision to net charge-offs | 0.8264% | 4,471 |
| Earnings coverage of net charge-offs (x) | 2.5455% | 3,064 |
| Efficiency ratio | 75.1212% | 3,315 |
| Assets per employee ($millions) | 4.8048% | 2,420 |
| Cash dividends to net income (ytd only)* | 62.5407% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 4,652 |
| Loan loss allowance to noncurrent loans | 39.7034% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 3.3984% | 2,010 |
| Noncurrent loans to loans | 3.5326% | 2,108 |
| Net loans and leases to total assets | 85.3295% | 165 |
| Net loans and leases to deposits | 105.4034% | 268 |
| Net loans and leases to core deposits | 114.1814% | 597 |
| Total domestic deposits to total assets | 80.9551% | 5,672 |
| Equity capital to assets | 8.6253% | 5,745 |
| Core capital (leverage) ratio | 8.6125% | 5,248 |
| Tier 1 risk-based capital ratio | 10.6567% | 6,716 |
| Total risk-based capital ratio | 11.8757% | 6,718 |
| Memoranda: | ||
| Average total assets | $135,028,500 | 4,154 |
| Average earning assets | $129,777,500 | 4,031 |
| Average equity | $11,497,000 | 4,672 |
| Average total loans | $117,148,500 | 3,305 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 3,338 |
| Cost of funding earning assets | 1.6788% | 1,690 |
| Net interest margin | 3.5755% | 4,933 |
| Noninterest income to average assets | 0.3228% | 5,475 |
| Noninterest expense to average assets | 2.6759% | 5,099 |
| Loan and lease loss provision to assets | 0.2404% | 4,882 |
| Net operating income to assets | 0.8231% | 2,702 |
| Return on assets (ROA) | 0.8186% | 2,856 |
| Pretax return on assets | 0.8186% | 3,573 |
| Return on Equity (ROE) | 9.7078% | 2,035 |
| Retained earnings to average equity (ytd only) | 4.2899% | 2,838 |
| Net charge-offs to loans | 0.4370% | 3,865 |
| Credit loss provision to net charge-offs | 63.6905% | 6,014 |
| Earnings coverage of net charge-offs (x) | 2.8175% | 3,670 |
| Efficiency ratio | 71.5602% | 3,876 |
| Assets per employee ($millions) | 5.4209% | 1,655 |
| Cash dividends to net income (ytd only)* | 55.8097% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 4,078 |
| Loan loss allowance to noncurrent loans | 41.3541% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 3.4039% | 2,052 |
| Noncurrent loans to loans | 3.5965% | 2,087 |
| Net loans and leases to total assets | 85.6783% | 204 |
| Net loans and leases to deposits | 104.4736% | 380 |
| Net loans and leases to core deposits | 113.1276% | 771 |
| Total domestic deposits to total assets | 82.0096% | 5,188 |
| Equity capital to assets | 8.4045% | 5,996 |
| Core capital (leverage) ratio | 8.3419% | 5,621 |
| Tier 1 risk-based capital ratio | 10.5486% | 6,669 |
| Total risk-based capital ratio | 11.7701% | 6,668 |
| Memoranda: | ||
| Average total assets | $133,524,200 | 4,191 |
| Average earning assets | $127,590,800 | 4,074 |
| Average equity | $11,259,000 | 4,803 |
| Average total loans | $115,320,400 | 3,417 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 3,485 |
| Cost of funding earning assets | 1.7319% | 1,712 |
| Net interest margin | 3.5395% | 5,142 |
| Noninterest income to average assets | 0.2957% | 5,770 |
| Noninterest expense to average assets | 2.7293% | 4,759 |
| Loan and lease loss provision to assets | 0.2786% | 4,349 |
| Net operating income to assets | 0.6655% | 3,571 |
| Return on assets (ROA) | 0.6595% | 3,765 |
| Pretax return on assets | 0.6595% | 4,389 |
| Return on Equity (ROE) | 7.8148% | 2,979 |
| Retained earnings to average equity (ytd only) | 2.8742% | 4,411 |
| Net charge-offs to loans | 0.5348% | 3,163 |
| Credit loss provision to net charge-offs | 60.4348% | 5,679 |
| Earnings coverage of net charge-offs (x) | 2.0478% | 4,190 |
| Efficiency ratio | 74.2974% | 3,269 |
| Assets per employee ($millions) | 4.7548% | 2,519 |
| Cash dividends to net income (ytd only)* | 63.2217% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,898 |
| Loan loss allowance to noncurrent loans | 39.6248% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 3.7068% | 1,919 |
| Noncurrent loans to loans | 3.8223% | 2,007 |
| Net loans and leases to total assets | 85.6190% | 233 |
| Net loans and leases to deposits | 105.9161% | 365 |
| Net loans and leases to core deposits | 115.0453% | 790 |
| Total domestic deposits to total assets | 80.8366% | 5,437 |
| Equity capital to assets | 8.5590% | 6,208 |
| Core capital (leverage) ratio | 8.2368% | 5,981 |
| Tier 1 risk-based capital ratio | 10.6591% | 6,665 |
| Total risk-based capital ratio | 11.8932% | 6,666 |
| Memoranda: | ||
| Average total assets | $133,024,750 | 4,248 |
| Average earning assets | $126,946,500 | 4,137 |
| Average equity | $11,226,250 | 4,871 |
| Average total loans | $114,684,000 | 3,485 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1896% | 4,008 |
| Cost of funding earning assets | 1.7762% | 1,739 |
| Net interest margin | 3.4134% | 5,587 |
| Noninterest income to average assets | 0.2241% | 6,314 |
| Noninterest expense to average assets | 2.7070% | 4,874 |
| Loan and lease loss provision to assets | 0.0797% | 6,141 |
| Net operating income to assets | 0.6888% | 3,454 |
| Return on assets (ROA) | 0.6888% | 3,602 |
| Pretax return on assets | 0.6888% | 4,278 |
| Return on Equity (ROE) | 8.2005% | 2,808 |
| Retained earnings to average equity (ytd only) | 3.3841% | 3,955 |
| Net charge-offs to loans | 0.0612% | 5,533 |
| Credit loss provision to net charge-offs | 151.4286% | 2,593 |
| Earnings coverage of net charge-offs (x) | 14.6000% | 1,510 |
| Efficiency ratio | 77.8884% | 2,745 |
| Assets per employee ($millions) | 4.7486% | 2,509 |
| Cash dividends to net income (ytd only)* | 58.7336% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 3,188 |
| Loan loss allowance to noncurrent loans | 42.9798% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.8018% | 1,832 |
| Noncurrent loans to loans | 3.8834% | 1,973 |
| Net loans and leases to total assets | 86.5337% | 194 |
| Net loans and leases to deposits | 108.9380% | 301 |
| Net loans and leases to core deposits | 118.9097% | 732 |
| Total domestic deposits to total assets | 79.4340% | 5,907 |
| Equity capital to assets | 8.4738% | 6,194 |
| Core capital (leverage) ratio | 8.3900% | 5,595 |
| Tier 1 risk-based capital ratio | 10.5521% | 6,648 |
| Total risk-based capital ratio | 11.7930% | 6,646 |
| Memoranda: | ||
| Average total assets | $132,988,330 | 4,279 |
| Average earning assets | $126,677,000 | 4,165 |
| Average equity | $11,170,000 | 4,885 |
| Average total loans | $114,331,670 | 3,524 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 4,324 |
| Cost of funding earning assets | 1.8033% | 1,857 |
| Net interest margin | 3.3409% | 5,813 |
| Noninterest income to average assets | 0.1534% | 6,871 |
| Noninterest expense to average assets | 2.6285% | 5,234 |
| Loan and lease loss provision to assets | 0.1714% | 4,811 |
| Net operating income to assets | 0.5293% | 4,238 |
| Return on assets (ROA) | 0.5293% | 4,378 |
| Pretax return on assets | 0.5293% | 4,858 |
| Return on Equity (ROE) | 6.3301% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.3301% | 2,457 |
| Net charge-offs to loans | 0.1381% | 4,114 |
| Credit loss provision to net charge-offs | 146.1538% | 2,430 |
| Earnings coverage of net charge-offs (x) | 5.9744% | 2,308 |
| Efficiency ratio | 78.9521% | 2,734 |
| Assets per employee ($millions) | 4.8827% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 3,015 |
| Loan loss allowance to noncurrent loans | 43.4096% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 3.7252% | 1,867 |
| Noncurrent loans to loans | 3.9450% | 1,999 |
| Net loans and leases to total assets | 85.0241% | 286 |
| Net loans and leases to deposits | 107.0992% | 380 |
| Net loans and leases to core deposits | 115.2077% | 987 |
| Total domestic deposits to total assets | 79.3882% | 5,990 |
| Equity capital to assets | 8.5260% | 5,973 |
| Core capital (leverage) ratio | 8.4849% | 5,404 |
| Tier 1 risk-based capital ratio | 10.8435% | 6,302 |
| Total risk-based capital ratio | 12.1017% | 6,276 |
| Memoranda: | ||
| Average total assets | $133,001,500 | 4,341 |
| Average earning assets | $126,433,000 | 4,231 |
| Average equity | $11,121,500 | 4,942 |
| Average total loans | $112,992,500 | 3,624 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8693% | 2,375 |
| Cost of funding earning assets | 2.2476% | 1,846 |
| Net interest margin | 3.6217% | 4,468 |
| Noninterest income to average assets | 0.3061% | 5,899 |
| Noninterest expense to average assets | 2.5807% | 5,861 |
| Loan and lease loss provision to assets | 0.5913% | 3,432 |
| Net operating income to assets | 0.6075% | 3,301 |
| Return on assets (ROA) | 0.5688% | 3,526 |
| Pretax return on assets | 0.5688% | 3,989 |
| Return on Equity (ROE) | 6.8122% | 2,864 |
| Retained earnings to average equity (ytd only) | 2.7212% | 3,250 |
| Net charge-offs to loans | 0.2094% | 5,316 |
| Credit loss provision to net charge-offs | 332.6087% | 981 |
| Earnings coverage of net charge-offs (x) | 6.7435% | 2,298 |
| Efficiency ratio | 68.2822% | 4,966 |
| Assets per employee ($millions) | 4.9693% | 2,259 |
| Cash dividends to net income (ytd only)* | 60.0543% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 2,789 |
| Loan loss allowance to noncurrent loans | 52.8689% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 2.7279% | 2,557 |
| Noncurrent loans to loans | 3.2695% | 2,334 |
| Net loans and leases to total assets | 81.9909% | 685 |
| Net loans and leases to deposits | 100.8840% | 838 |
| Net loans and leases to core deposits | 125.7335% | 1,536 |
| Total domestic deposits to total assets | 81.2724% | 5,243 |
| Equity capital to assets | 8.2007% | 6,342 |
| Core capital (leverage) ratio | 8.2702% | 5,677 |
| Tier 1 risk-based capital ratio | 10.8745% | 6,038 |
| Total risk-based capital ratio | 12.1255% | 6,007 |
| Memoranda: | ||
| Average total assets | $129,384,600 | 4,347 |
| Average earning assets | $124,086,200 | 4,216 |
| Average equity | $10,804,200 | 5,077 |
| Average total loans | $109,853,000 | 3,697 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9714% | 2,146 |
| Cost of funding earning assets | 2.3472% | 1,820 |
| Net interest margin | 3.6242% | 4,395 |
| Noninterest income to average assets | 0.2902% | 6,161 |
| Noninterest expense to average assets | 2.6440% | 5,546 |
| Loan and lease loss provision to assets | 0.7572% | 2,472 |
| Net operating income to assets | 0.3692% | 4,521 |
| Return on assets (ROA) | 0.3692% | 4,622 |
| Pretax return on assets | 0.3692% | 4,881 |
| Return on Equity (ROE) | 4.4011% | 4,209 |
| Retained earnings to average equity (ytd only) | 0.5083% | 4,996 |
| Net charge-offs to loans | 0.2695% | 4,354 |
| Credit loss provision to net charge-offs | 329.4118% | 1,249 |
| Earnings coverage of net charge-offs (x) | 4.9004% | 2,974 |
| Efficiency ratio | 70.1241% | 4,563 |
| Assets per employee ($millions) | 4.6571% | 2,620 |
| Cash dividends to net income (ytd only)* | 88.4518% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 2,625 |
| Loan loss allowance to noncurrent loans | 57.6830% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 2.8804% | 2,412 |
| Noncurrent loans to loans | 2.9492% | 2,574 |
| Net loans and leases to total assets | 84.5038% | 487 |
| Net loans and leases to deposits | 105.4277% | 683 |
| Net loans and leases to core deposits | 130.1011% | 1,433 |
| Total domestic deposits to total assets | 80.1534% | 5,383 |
| Equity capital to assets | 8.3144% | 6,491 |
| Core capital (leverage) ratio | 8.1295% | 6,137 |
| Tier 1 risk-based capital ratio | 10.7296% | 6,224 |
| Total risk-based capital ratio | 11.9803% | 6,187 |
| Memoranda: | ||
| Average total assets | $128,188,000 | 4,404 |
| Average earning assets | $123,095,750 | 4,268 |
| Average equity | $10,754,500 | 5,126 |
| Average total loans | $109,330,500 | 3,744 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0443% | 1,998 |
| Cost of funding earning assets | 2.4416% | 1,810 |
| Net interest margin | 3.6027% | 4,348 |
| Noninterest income to average assets | 0.2840% | 6,233 |
| Noninterest expense to average assets | 2.5233% | 6,044 |
| Loan and lease loss provision to assets | 0.3719% | 3,695 |
| Net operating income to assets | 0.8458% | 2,671 |
| Return on assets (ROA) | 0.8458% | 2,774 |
| Pretax return on assets | 0.8458% | 3,521 |
| Return on Equity (ROE) | 10.0510% | 2,004 |
| Retained earnings to average equity (ytd only) | 4.1957% | 2,965 |
| Net charge-offs to loans | 0.0166% | 6,292 |
| Credit loss provision to net charge-offs | 2,633.3333% | 194 |
| Earnings coverage of net charge-offs (x) | 86.2222% | 448 |
| Efficiency ratio | 67.4497% | 5,263 |
| Assets per employee ($millions) | 4.7348% | 2,418 |
| Cash dividends to net income (ytd only)* | 58.2560% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 3,336 |
| Loan loss allowance to noncurrent loans | 57.7920% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.4484% | 2,634 |
| Noncurrent loans to loans | 2.5485% | 2,841 |
| Net loans and leases to total assets | 85.1900% | 478 |
| Net loans and leases to deposits | 107.5339% | 674 |
| Net loans and leases to core deposits | 131.8124% | 1,444 |
| Total domestic deposits to total assets | 79.2215% | 5,741 |
| Equity capital to assets | 8.5037% | 6,045 |
| Core capital (leverage) ratio | 8.5298% | 5,390 |
| Tier 1 risk-based capital ratio | 11.0151% | 5,858 |
| Total risk-based capital ratio | 12.2629% | 5,793 |
| Memoranda: | ||
| Average total assets | $127,450,670 | 4,443 |
| Average earning assets | $122,296,670 | 4,315 |
| Average equity | $10,725,330 | 5,155 |
| Average total loans | $108,407,330 | 3,802 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1417% | 1,791 |
| Cost of funding earning assets | 2.5262% | 1,816 |
| Net interest margin | 3.6154% | 4,254 |
| Noninterest income to average assets | 0.2923% | 6,096 |
| Noninterest expense to average assets | 2.4706% | 5,954 |
| Loan and lease loss provision to assets | 0.1792% | 4,662 |
| Net operating income to assets | 1.1064% | 1,942 |
| Return on assets (ROA) | 1.1064% | 2,067 |
| Pretax return on assets | 1.1064% | 2,963 |
| Return on Equity (ROE) | 13.2176% | 1,333 |
| Retained earnings to average equity (ytd only) | 7.8104% | 1,888 |
| Net charge-offs to loans | 0.0075% | 5,572 |
| Credit loss provision to net charge-offs | 2,850.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 204.5000% | 206 |
| Efficiency ratio | 65.7741% | 5,371 |
| Assets per employee ($millions) | 4.4716% | 2,771 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 3,760 |
| Loan loss allowance to noncurrent loans | 51.7058% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 2.6309% | 2,184 |
| Noncurrent loans to loans | 2.6222% | 2,512 |
| Net loans and leases to total assets | 84.5493% | 614 |
| Net loans and leases to deposits | 104.6244% | 970 |
| Net loans and leases to core deposits | 128.4724% | 1,748 |
| Total domestic deposits to total assets | 80.8123% | 5,037 |
| Equity capital to assets | 8.6322% | 5,868 |
| Core capital (leverage) ratio | 8.5984% | 5,346 |
| Tier 1 risk-based capital ratio | 11.3433% | 5,555 |
| Total risk-based capital ratio | 12.5933% | 5,462 |
| Memoranda: | ||
| Average total assets | $127,256,500 | 4,458 |
| Average earning assets | $121,921,500 | 4,334 |
| Average equity | $10,652,500 | 5,199 |
| Average total loans | $107,344,000 | 3,853 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7109% | 1,992 |
| Cost of funding earning assets | 3.0279% | 1,766 |
| Net interest margin | 3.6830% | 4,537 |
| Noninterest income to average assets | 0.3885% | 5,575 |
| Noninterest expense to average assets | 2.4885% | 6,050 |
| Loan and lease loss provision to assets | 0.4357% | 3,112 |
| Net operating income to assets | 0.9619% | 2,734 |
| Return on assets (ROA) | 0.6544% | 3,938 |
| Pretax return on assets | 0.6544% | 4,534 |
| Return on Equity (ROE) | 7.7576% | 3,173 |
| Retained earnings to average equity (ytd only) | -2.2098% | 5,927 |
| Net charge-offs to loans | 0.1004% | 5,310 |
| Credit loss provision to net charge-offs | 517.7570% | 847 |
| Earnings coverage of net charge-offs (x) | 16.6075% | 1,832 |
| Efficiency ratio | 64.0356% | 5,546 |
| Assets per employee ($millions) | 4.7892% | 2,192 |
| Cash dividends to net income (ytd only)* | 128.4856% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 3,752 |
| Loan loss allowance to noncurrent loans | 62.6118% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 2.1020% | 2,336 |
| Noncurrent loans to loans | 2.0825% | 2,657 |
| Net loans and leases to total assets | 81.9539% | 1,238 |
| Net loans and leases to deposits | 100.5217% | 1,785 |
| Net loans and leases to core deposits | 122.2831% | 2,477 |
| Total domestic deposits to total assets | 81.5286% | 4,394 |
| Equity capital to assets | 8.1178% | 6,672 |
| Core capital (leverage) ratio | 8.2697% | 6,010 |
| Tier 1 risk-based capital ratio | 10.9488% | 5,773 |
| Total risk-based capital ratio | 12.1979% | 5,682 |
| Memoranda: | ||
| Average total assets | $127,143,000 | 4,347 |
| Average earning assets | $120,744,000 | 4,238 |
| Average equity | $10,725,000 | 5,206 |
| Average total loans | $106,546,400 | 3,777 |